<SEC-DOCUMENT>0000946275-16-000260.txt : 20160421
<SEC-HEADER>0000946275-16-000260.hdr.sgml : 20160421
<ACCEPTANCE-DATETIME>20160421161257
ACCESSION NUMBER:		0000946275-16-000260
CONFORMED SUBMISSION TYPE:	S-4
PUBLIC DOCUMENT COUNT:		23
FILED AS OF DATE:		20160421
DATE AS OF CHANGE:		20160421

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORWOOD FINANCIAL CORP
		CENTRAL INDEX KEY:			0001013272
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232828306
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-210850
		FILM NUMBER:		161584189

	BUSINESS ADDRESS:	
		STREET 1:		717 MAIN ST
		STREET 2:		PO BOX 269
		CITY:			HONESDALE
		STATE:			PA
		ZIP:			18431
		BUSINESS PHONE:		7172531455
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-4
<SEQUENCE>1
<FILENAME>s4_042216-0160.htm
<DESCRIPTION>FORM S-4 - NORWOOD FINANCIAL CORP.
<TEXT>
<html>
<head>
    <title>s4_042216-0160.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As filed with the Securities and Exchange Commission on April 21, 2016</font></div>

<div>
<hr style="COLOR: #000000; MARGIN-TOP: -5px" noshade size="4">
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Registration No. 333 -___________</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">UNITED STATES</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SECURITIES AND EXCHANGE COMMISSION</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Washington, D.C. 20549</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">____________________</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">FORM S-4</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">REGISTRATION STATEMENT</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">UNDER THE SECURITIES ACT OF 1933</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">____________________</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">NORWOOD FINANCIAL CORP.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(Exact name of registrant as specified in its charter)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="29%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pennsylvania</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(State or other jurisdiction of</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">incorporation or organization)</font></div>
</td>
<td valign="top" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="29%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6022</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Primary Standard Industrial</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Classification Code Number)</font></div>
</td>
<td valign="top" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="29%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">23-2828306</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(I.R.S. Employer</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Identification Number)</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">717 Main Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Honesdale, Pennsylvania&#160;&#160;18431</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">(570) 253-1455</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(Address, Including Zip Code, and Telephone Number, Including Area Code, of Registrant&#8217;s Principal Executive Offices)</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Lewis J. Critelli, President</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">717 Main Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Honesdale, Pennsylvania&#160;&#160;18431</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">(570) 253-1455</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;(Name, address, Including Zip Code, and Telephone Number, Including Area Code, of Agent for Service)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Copies to:</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="45%">
<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">James C. Stewart, Esq.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Jones Walker, LLP</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1227 25<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">th</font> Street, N. W., Suite 200</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Washington, D.C.&#160;&#160;20037</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(202) 434-4671</font></div>
</td>
<td valign="top" width="45%">
<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">J. J. Cranmore, Esq.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cranmore, FitzGerald &amp; Meaney</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">49 Wethersfield Avenue</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Hartford, CT&#160;&#160;06114</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(860) 522-9100</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">____________________</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">Approximate date of commencement of proposed sale of the securities to the public:</font>&#160;&#160;As soon as practicable after the effective date of this Registration Statement and the conditions to the consummation of the merger described herein have been satisfied or waived.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If the securities being registered on this Form are being offered in connection with the formation of a holding company and there is compliance with General Instruction&#160;G, check the following box.&#160;&#160;&#160;&#160;&#61551;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If this Form is filed to register additional securities for an offering pursuant to Rule&#160;462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&#160;&#160;&#160;&#160;&#61551;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If this Form is a post-effective amendment filed pursuant to Rule&#160;462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&#160;&#160;&#160;&#160;&#61551;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer&#8221; and &#8220;smaller reporting company&#8221; in Rule&#160;12b-2 of the Exchange Act. (Check one):</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="17%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="27%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="top" width="19%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Large accelerated filer<font style="FONT-FAMILY: wingdings; DISPLAY: inline">o</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accelerated filer <font style="FONT-FAMILY: wingdings; DISPLAY: inline">&#254;</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Non-accelerated filer <font style="FONT-FAMILY: wingdings; DISPLAY: inline">o</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="19%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Smaller reporting company <font style="FONT-FAMILY: wingdings; DISPLAY: inline">o</font></font></div>
</td>
</tr><tr>
<td valign="top" width="17%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Do not check if a smaller reporting company)&#160;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font>If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="53%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;Exchange Act Rule&#160;13e-4(i) (Cross-Border Issuer Tender Offer)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-FAMILY: wingdings; DISPLAY: inline">o</font></font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="top" width="24%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="53%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;Exchange Act Rule&#160;14d-1(d) (Cross-Border Third-Party Tender Offer)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-FAMILY: wingdings; DISPLAY: inline">o</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="24%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="53%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="9" valign="top" width="90%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">CALCULATION OF REGISTRATION FEE</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Title of each class of</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">securities to be</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">registered</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amount to</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">be registered<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(1)</font></font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Proposed maximum</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">offering price</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">per unit<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Proposed maximum</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">aggregate offering price<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amount of</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">registration fee<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
</tr><tr>
<td valign="top" width="30%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Common Stock, $.10 par value</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">431,815</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Not Applicable</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$11,318,853</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$1,139.81</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; DISPLAY: inline">(1)</font></font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Represents the estimated maximum number of shares of Norwood Financial Corp. common stock estimated to be issuable upon the consummation of the merger of Delaware Bancshares, Inc. with and into Norwood and is computed based upon the estimated number of shares of Delaware Bancshares, Inc. common stock outstanding as of April 18, 2016 (925,499) of which 694,124 shares will be exchanged for shares of Norwood common stock and (y) the exchange ratio of 0.6221.&#160;&#160;Pursuant to Rule 416, this Registration Statement also covers an indeterminate number of shares of common stock as may become issuable as a result of stock splits, stock dividends or similar transactions.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Pursuant to Rule&#160;457(f) under the Securities Act of 1933, as amended, and solely for the purpose of calculating the registration fee, the proposed maximum aggregate offering price is based on the average of the last sale price of Delaware Bancshares, Inc. common stock as of April 18, 2016 ($16.40) and the estimated maximum number of shares of Delaware Bancshares, Inc. common stock to be received by Norwood Financial Corp. in the merger (925,499) <font style="TEXT-DECORATION: underline; DISPLAY: inline">less</font> the cash to be paid in exchange for such shares of $3,859,331.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file&#160;a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section&#160;8(a) of the Securities Act of 1933, as amended, or until the registration statement shall become effective on such date as the Commission, acting pursuant to said Section&#160;8(a), may determine.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<hr style="COLOR: #000000; MARGIN-TOP: -5px" noshade size="1">
<hr style="COLOR: #000000; MARGIN-TOP: -13px" noshade size="4">
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Information contained herein is subject to completion or amendment. A registration statement relating to the shares of Norwood Financial Corp. common stock to be issued in the merger has been filed with the Securities and Exchange Commission. These securities may not be sold nor may offers to buy be accepted prior to the time the registration statement becomes effective. This proxy statement/prospectus shall not constitute an offer to sell or the solicitation of an offer to buy nor shall there be any sale of these securities in any jurisdiction in which such offer, solicitation or sale is not permitted or would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">PRELIMINARY PROXY STATEMENT/PROSPECTUS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">DATED APRIL 21, 2016, SUBJECT TO COMPLETION</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><br>
<br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">DELAWARE BANCSHARES, INC.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">131-133 Delaware Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Walton, New York&#160;&#160;13856</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Merger Proposed&#160;&#8212; Your Vote Is Very Important</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To the Shareholders of Delaware Bancshares, Inc.:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">You are cordially invited to attend a special meeting of the shareholders of Delaware Bancshares, Inc. (&#8220;Delaware&#8221;) to be held on ___________, __________, 2016 at __:__ _.m., local time, at _____________________________________, ___________________, Walton, New York.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 32.4pt"></font>At the special meeting, you will be asked to consider the merger of Delaware and Norwood Financial Corp. (&#8220;Norwood&#8221;) and to adopt the Agreement and Plan of Merger (the &#8220;merger agreement&#8221;) dated&#160;&#160;March 10, 2016, that Delaware and The National Bank of Delaware County (&#8220;NBDC Bank&#8221;) entered into with Norwood and Wayne Bank, a wholly owned subsidiary of Norwood.&#160;&#160;You will also be asked to approve the adjournment, postponement, or continuation of the special meeting, if necessary, to solicit additional proxies in favor of adoption of the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 32.4pt"></font>If the merger is completed, each outstanding share of Delaware common stock will be converted into the right to receive either: (1)&#160;$16.68 in cash, without interest; or (2)&#160;0.6221 of a share of Norwood common stock. You will be able to elect to receive cash for all of your shares of Delaware common stock, shares of Norwood common stock for all of your shares of Delaware common stock or cash for some of your shares of Delaware common stock and Norwood common stock for the remainder.&#160;&#160;Regardless of your choice, however, elections will be limited by the requirement that the total number of shares electing cash (which includes, for this purpose, dissenting shares) must not exceed 25% of the total shares of Delaware common stock outstanding.&#160;&#160;Therefore, all allocations of cash and Norwood common stock that you may receive will depend on the elections of other Delaware shareholders.&#160;&#160;The federal income tax consequences of the merger to you will depend on whether you receive cash, stock or a combination of cash and stock in exchange for your shares of Delaware common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under the terms of the merger agreement, the cash consideration and the exchange ratio will remain fixed, while the value of the stock consideration will fluctuate with the market price of Norwood common stock. Based on the closing price of Norwood common stock on the NASDAQ Global Market on March 10, 2016, the last trading day before public announcement of the merger agreement, the value of the stock consideration represented approximately $16.49 in value for each share of Delaware common stock. You should obtain current stock price quotations for Norwood and Delaware common stock.&#160;&#160;Norwood common stock trades on the NASDAQ Global Market under the symbol &#8220;NWFL&#8221; and Delaware common stock trades on the OTC Pink Marketplace under the symbol &#8220;DBAI.&#8221;&#160;&#160;Delaware may terminate the merger agreement if (i) the average closing price of Norwood&#8217;s common stock for a specified period is less than $21.08, (ii) Norwood&#8217;s common stock underperforms the NASDAQ Bank Index by more than 20% and (iii) Norwood does not elect to increase the stock election consideration by a formula-based amount outlined in the merger agreement, as is discussed in further detail on page __ of this proxy statement/prospectus.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">Your board of directors has unanimously determined that the merger and the merger agreement are fair and in the best interests of Delaware and its shareholders and unanimously recommends that you vote &#8220;FOR&#8221; approval of the merger agreement and the merger.</font>&#160;&#160;The merger cannot be completed unless two-thirds of the outstanding shares vote to approve the merger agreement. Whether or not you plan to attend the special meeting of shareholders, please take the time to vote by </font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">completing the enclosed proxy card and mailing it in the enclosed envelope.&#160;&#160;Shareholders may also vote by telephone or on the internet by following the instructions on the proxy card.&#160;&#160;Failure to vote has the same effect as a vote &#8220;AGAINST&#8221; the merger agreement.<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;If you sign, date and mail your proxy card&#160;&#160;or vote by telephone or on the internet without indicating how you want to vote, your proxy will be counted as a vote &#8220;FOR&#8221; adoption of the merger agreement and &#8220;FOR&#8221; the proposal to adjourn the special meeting, if necessary, to solicit additional votes in favor of adoption of the merger agreement.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This proxy statement/prospectus provides you with detailed information about the proposed merger. It also contains information about Norwood and Delaware and related matters. You are encouraged to read this document carefully.<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;In particular, you should read the &#8220;Risk Factors&#8221; section beginning on page&#160;__ for a discussion of the risks you should consider in evaluating the proposed merger and how it will affect you.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;On behalf of the board of directors, I thank you for your prompt attention to this important matter.</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><br>
<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="3" valign="top" width="79%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Sincerely yours,</font></div>
</td>
</tr><tr>
<td valign="top" width="26%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="31%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="26%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="31%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="26%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Douglas W. Sluiter</font></div>
</td>
<td valign="top" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="31%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">James S. Stracuzzi</font></div>
</td>
</tr><tr>
<td valign="top" width="26%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Presiding Director</font></div>
</td>
<td valign="top" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="31%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">President and Chief Executive Officer</font></div>
</td>
</tr></table>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Neither the Securities and Exchange Commission nor any state securities commission or bank regulatory agency has approved or disapproved of the merger, the issuance of the Norwood common stock in connection with the merger or the other transactions described in this proxy statement/prospectus, or passed upon the adequacy or accuracy of the disclosure in this document. Any representation to the contrary is a criminal offense.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">The securities to be issued in the merger are not savings accounts, deposits or other obligations of any bank or savings association and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This proxy statement/prospectus is dated ___________ __, 2016, and is first being mailed to shareholders of Delaware on or about ___________ __, 2016.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">DELAWARE BANCSHARES, INC.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">131-133 Delaware Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Walton, New York 13856</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">(607) 865-4126 </font>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">NOTICE OF SPECIAL MEETING OF SHAREHOLDERS</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">To Be Held On _________ __, 2016 </font>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">NOTICE IS HEREBY GIVEN, that a special meeting of shareholders of Delaware Bancshares, Inc. will be held at ______________________________________, located at ________________________, Walton, New York, on _________, __________, 2016 at __:__ _.m., local time, for the following purposes:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 72pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1.&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To consider and vote upon a proposal to adopt the Agreement and Plan of Merger, dated March 10, 2016, by and among Norwood Financial Corp., Wayne Bank, Delaware Bancshares, Inc. and The National Bank of Delaware County, under which Delaware Bancshares, Inc. will merge with and into Norwood Financial Corp.;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 72pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">2.&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To consider and vote upon a proposal to adjourn, postpone or continue the special meeting, if necessary, to permit further solicitation of proxies in favor of adopting the merger agreement; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 72pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">3.&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To transact such other business as may properly come before the special meeting or any adjournment, postponement or continuance thereof.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Shareholders of record at the close of business on ___________ __, 2016 are entitled to notice of and to vote at the special meeting and at any adjournment or postponement thereof.&#160;&#160;The enclosed proxy statement/prospectus describes the merger agreement in detail, and a copy of the merger agreement is annexed as Annex A to the proxy statement/prospectus and incorporated by reference therein.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">The board of directors of Delaware Bancshares, Inc. unanimously recommends that Delaware&#8217;s shareholders vote &#8220;FOR&#8221; the proposal to approve the merger agreement and &#8220;FOR&#8221; the adjournment proposal described above.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">Your vote is very important.&#160;&#160;</font>Your proxy is being solicited by the board of directors of Delaware.&#160;&#160;The proposal to approve the merger agreement must be approved by the affirmative vote of two-thirds of the outstanding shares at the special meeting; provided, that a majority of the outstanding shares of Delaware common stock entitled to vote at the special meeting is present, in person or by proxy.&#160;&#160;Whether or not you expect to attend the special meeting, please complete, sign and date the accompanying proxy card and return it in the enclosed postage prepaid envelope or vote by telephone or on the internet.&#160;&#160;You may revoke your proxy by written notice to Delaware, by submitting a proxy card dated as of a later date, by subsequently voting by telephone or on the internet or by voting in person at the special meeting.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under New York law, if the merger is completed, Delaware shareholders of record who do not vote to approve the merger agreement and otherwise comply with the applicable provisions of New York law pertaining to dissenters&#8217; rights will be entitled to exercise dissenters&#8217; rights and obtain payment in cash of the fair value of their shares of Delaware common stock by following the procedures set forth in detail in the enclosed proxy statement/prospectus. A copy of the section of the New York Business Corporation Law pertaining to dissenters&#8217; rights is included as Annex C to the accompanying proxy statement/prospectus.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 216pt"></font>By Order of the Board of Directors</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 216pt"></font>Judith A. Riscoe</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 216pt"></font>Secretary</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">If you have any questions or need assistance voting your shares, please contact our proxy solicitor, Morrow &amp; Co., LLC, toll-free at (855) 201-1081.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">WHERE YOU CAN FIND MORE INFORMATION</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This document, which is sometimes referred to as this &#8220;proxy statement/prospectus&#8221; constitutes a proxy statement of Delaware with respect to the solicitation of proxies for the Delaware special meeting and a prospectus of Norwood for the shares of common stock that Norwood will issue to Delaware&#8217;s shareholders in the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood has filed a registration statement on Form S-4 to register with the Securities and Exchange Commission (the &#8220;SEC&#8221;) the shares that Norwood will issue to Delaware&#8217;s shareholders in the merger. This proxy statement/prospectus constitutes a part of that registration statement on Form S-4.&#160;&#160;For further information about Norwood, you should review the registration statement filed with the SEC.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood files annual, quarterly and current reports, proxy statements and other information with the SEC required to be filed by reporting companies under Sections 13 or 15(d) of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;).&#160;&#160;You may read and copy any materials that Norwood files with the SEC at the SEC&#8217;s Public Reference Room, 100 F Street, N.E., Washington, D.C. 20549 on official business days during the hours of 10:00 a.m. to 3:00 p.m. You should call the SEC at 1-800-SEC-0330 for further information on the operation of the Public Reference Room.&#160;&#160;In addition, the SEC maintains an Internet site at www.sec.gov that contains the reports, proxy and information statements, and other information that Norwood and Delaware file with the SEC.&#160;&#160;You may also obtain free copies of the documents that Norwood files with the SEC by going to the Stockholder Services section of Norwood&#8217;s website, www.waynebank.com/stockholder-services or by contacting William S. Lance, Executive Vice President and Chief Financial Officer, Norwood Financial Corp., 717&#160;Main Street, Honesdale, Pennsylvania 18431, Telephone: (570) 253-1455.&#160;&#160;Information contained on Norwood&#8217;s website is not incorporated into this proxy statement/prospectus and you should not consider information contained on either website to be part of this proxy statement/prospectus or any supplement thereto.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">TABLE OF CONTENTS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">Page</font></font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SPECIAL MEETING</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">SUMMARY</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">SELECTED HISTORICAL FINANCIAL DATA FOR NORWOOD</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">SELECTED HISTORICAL FINANCIAL DATA FOR DELAWARE</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">RISK FACTORS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">MARKET VALUE OF SECURITIES</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">COMPARATIVE PER SHARE DATA</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">THE SPECIAL MEETING OF SHAREHOLDERS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">THE MERGER AND THE MERGER AGREEMENT</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">General</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Background of the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware&#8217;s Reasons for the Merger and Recommendation of the Delaware Board of Directors</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">35</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s Reasons for the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">41</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Opinion of Delaware&#8217;s Financial Advisor</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">42</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consideration to be Received in the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">54</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Election Procedures; Surrender of Stock Certificates</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">56</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Allocation Procedures</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">57</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Exchange Procedures</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">58</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accounting Treatment</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">59</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Material United States Federal Income Tax Consequences of the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">59</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regulatory Matters Relating to the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">63</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interests of Certain Persons in the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">64</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Employee Matters</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">67</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Time of Completion</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">67</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Conditions to Completing the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">67</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Conduct of Business Before the Merger</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">69</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Covenants of Delaware and Norwood in the Merger Agreement</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">72</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Representations and Warranties Made by Delaware and Norwood in the Merger Agreement</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">75</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Terminating the Merger Agreement</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">75</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Termination Fee</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">76</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Expenses</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">77</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Changing the Terms of the Merger Agreement</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">77</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dissenters&#8217; Rights of Appraisal</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">77</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">PRO FORMA DATA</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">80</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">COMPARISON OF SHAREHOLDER RIGHTS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">87</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">DESCRIPTION OF NORWOOD CAPITAL STOCK</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">91</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">CERTAIN ANTI-TAKEOVER PROVISIONS OF NORWOOD&#8217;S ARTICLES OF INCORPORATION AND BYLAWS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">92</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">BUSINESS OF DELAWARE</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">95</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">DELAWARE MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATION</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">95</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">SECURITY OWNERSHIP OF DELAWARE DIRECTORS, EXECUTIVE OFFICERS AND CERTAIN BENEFICIAL OWNERS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">102</font></div>
</td>
</tr></table>

<div>&#160;</div>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ADJOURNMENT OF THE SPECIAL MEETING</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">103</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">EXPERTS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">103</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LEGAL OPINIONS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">OTHER MATTERS</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">INDEX TO CONSOLIDATED FINANCIAL STATEMENTS OF DELAWARE BANCSHARES, INC.</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.2pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">106</font></div>
</td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ANNEXES</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Agreement and Plan of Merger, dated as of March 10, 2016, by and among Norwood Financial Corp., Wayne Bank, Delaware Bancshares,&#160;<br>
<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font> Inc. and The National&#160; Bank of Delaware County</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">B.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Opinion of Sandler O&#8217;Neill &amp; Partners, L.P.</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">C.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>New York Business Corporation Law &#167;623.</font></div>
</td>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SPECIAL MEETING</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">The following are answers to certain questions that you may have regarding the merger and the special meeting. We urge you to read carefully the remainder of this proxy statement/prospectus because the information in this section may not provide all the information that might be important to you in determining how to vote. Additional important information is also contained in the annexes to this proxy statement/prospectus.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Why am I receiving this document?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Norwood and Delaware have agreed to combine under the terms of a merger agreement that is described in this proxy statement/prospectus. A copy of the merger agreement is attached to this proxy statement/prospectus as Annex&#160;A.&#160;&#160;In order to complete the merger, Delaware shareholders must vote to approve the merger agreement and the merger. Delaware is holding a special meeting of shareholders to obtain this approval. This proxy statement/prospectus contains important information about the merger, the merger agreement, the special meeting, and other related matters, and you should read it carefully.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What will happen to Delaware as a result of the merger?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If the merger is completed, Delaware will merge with and into Norwood and its separate corporate existence will end.&#160;&#160;In addition, immediately following the merger, The National Bank of Delaware County, or NBDC Bank, will merge with and into Wayne Bank with Wayne Bank being the surviving bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What will Delaware shareholders receive in the merger?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If the merger agreement is approved and the merger is subsequently completed, each outstanding share of Delaware common stock (other than any dissenting shares) will be converted into the right to receive either:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline">&#9679;</font></font></font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">$16.68 in cash, without interest, which we refer to as the &#8220;cash consideration;&#8221; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline">&#9679;</font></font></font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">0.6221 of a&#160;share of Norwood common stock, which we refer to as the &#8220;stock consideration.&#8221;</font></div>
</td>
</tr></table>
</div>

<div>&#160;</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">in each case, subject to adjustment, election and allocation procedures specified in the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Shareholders may elect to receive all cash, all stock, or cash for some shares and stock for the remainder of the shares they own, subject to adjustment, election and allocation procedures specified in the merger agreement. The ability to receive all stock, all cash or a mix of both may depend on the elections of other Delaware shareholders. The allocation of the mix of consideration payable to Delaware shareholders in the merger will not be known until Norwood tallies the results of the cash/stock elections made by all Delaware shareholders. No guarantee can be made that you will receive the amounts of cash or stock that you elect. See &#8220;The Merger and the Merger Agreement &#8212; Consideration to be Received in the Merger&#8221; beginning on page&#160;___ and &#8220;&#8212; Allocation Procedures&#8221; beginning on page&#160;___.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Will Delaware shareholders receive the form of consideration they elect?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each Delaware shareholder may not receive the form of consideration that it elects in the merger.&#160;&#160;The allocation procedures in the merger agreement provide that the aggregate number of shares of Delaware common stock to be converted into the right to receive cash consideration, including </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">dissenting shares, will equal 25% of the outstanding shares of Delaware common stock and the number of shares to be converted into Norwood common stock will equal 75% of the outstanding Delaware common stock.&#160;&#160;Pursuant to this limitation, if the aggregate number of shares with respect to which a valid cash consideration election is made, together with any dissenting shares, is greater than 25% of the outstanding shares of Delaware common stock, a pro rata portion of those shares will be converted into the right to receive Norwood common stock such that the number of shares of Delaware common stock converted into the cash consideration equals 25% of the total.&#160;&#160;Similarly, if the number of shares pursuant to which a valid cash consideration election is made, together with any dissenting shares, is less than 25% of the outstanding shares of Delaware common stock; such a number of shares for which no election has been made first and then if necessary, such number of shares for which a stock consideration election has been made will be converted, as necessary, such that the number of shares of Delaware common stock to be converted into cash in the transaction does not exceed 25%.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;How do Delaware shareholders register their election for cash, Norwood common stock or a combination thereof?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each Delaware shareholder should complete and return an election form, along with the Delaware stock certificate(s), according to the instructions included with the form. The election form will be provided to Delaware shareholders under separate cover. The election deadline will be 5:00&#160;p.m., Eastern Time, on the date specified in the election form.&#160;&#160;If you own shares of Delaware common stock in &#8220;street name&#8221; through a bank, broker or other financial institution and you wish to make an election, you should seek instructions from the financial institution holding your shares concerning how to make an election. If you do not send in the election form with your stock certificate(s) by the election deadline, you will be treated as though you had not made an election.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What happens if a Delaware shareholder does not make a valid election as to whether to receive cash or stock?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If a Delaware shareholder does not return a properly completed election form by the election deadline specified in the election form, such shareholder&#8217;s shares of Delaware common stock will be considered &#8220;non-election shares&#8221; and will be converted into the right to receive the stock consideration or the cash consideration according to the allocation procedures specified in the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;When will the merger be completed?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;We expect the merger will be completed when all of the conditions to completion contained in the merger agreement are satisfied or waived, including the receipt of required regulatory approvals and the approval of the merger agreement by Delaware shareholders at the special meeting. We currently expect to complete the merger during the third calendar quarter of 2016. <font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>However, because fulfillment of some of the conditions to completion of the merger, such as the receipt of required regulatory approvals, is not entirely within our control, we cannot predict the actual timing.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What happens if the merger is not completed?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If the merger is not completed, Delaware shareholders will not receive any consideration for their shares of common stock in connection with the merger. Instead, Delaware will remain an independent company and its common stock will continue to be quoted on the OTC Pink Marketplace.&#160;&#160;Under specified circumstances, Delaware may be required to pay to Norwood a fee with respect to the termination of the merger agreement, as described under &#8220;The Merger and the Merger Agreement &#8212; Termination Fee&#8221; beginning on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Who is being asked to approve matters in connection with the merger?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware shareholders are being asked to vote to approve the merger agreement and the merger and to approve a proposal to adjourn the special meeting, if necessary, to solicit additional proxies.&#160;&#160;No approval of Norwood shareholders is required.&#160;&#160;Under New York law, the merger cannot be completed unless two-thirds of the outstanding shares of Delaware common stock are voted to adopt the merger agreement and the merger.&#160;&#160;By this proxy statement/prospectus, Delaware&#8217;s board of directors is soliciting proxies of Delaware shareholders to obtain this approval at the special meeting of Delaware shareholders.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Should Delaware shareholders send in their stock certificates with their proxy card?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;No.&#160; An election form and transmittal materials, with instructions for their completion, will be provided to Delaware shareholders under separate cover and the stock certificates should be sent at that time.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What are the material United States federal income tax consequences of the merger to Delaware shareholders?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Norwood and Delaware will not be required to complete the merger unless they receive legal opinions from their respective counsel to the effect that the merger will qualify as a tax-free reorganization for United States federal income tax purposes.&#160;&#160;Provided that the merger qualifies as a reorganization for United States federal income tax purposes, the specific tax consequences of the merger to a Delaware shareholder will depend upon the form of consideration such shareholder will receive in the merger (i.e., cash, stock or a combination thereof).</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">The consequences of the merger to any particular shareholder will depend on that shareholder&#8217;s particular facts and circumstances. Accordingly, you are urged to consult your tax advisor to determine your tax consequences from the merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;For a more detailed discussion of the material United States federal income tax consequences of the transaction, see &#8220;The Merger and the Merger Agreement &#8212; Material United States Federal Income Tax Consequences of the Merger&#8221; beginning on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Are Delaware shareholders entitled to dissenters&#8217; appraisal rights?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Yes. Under New York law, record holders of Delaware common stock who submit a written objection, including notice of an intent to dissent, and do not vote in favor of the proposal to adopt the merger agreement will be entitled to seek dissenters&#8217; appraisal rights in connection with the merger, and if the merger is completed, obtain payment in cash equal to the fair value of their shares of Delaware common stock instead of the merger consideration.&#160;&#160;To exercise their appraisal rights, Delaware shareholders must strictly follow the procedures prescribed by New York law. These procedures are summarized in this proxy statement/prospectus. In addition, the text of the applicable provisions of New York law is included as Annex C to this document.&#160;&#160;Failure to strictly comply with these provisions will result in the loss of appraisal rights.&#160;&#160;For a more complete description of appraisal rights, please refer to the section entitled &#8220;The Merger and the Merger Agreement &#8212; Dissenters&#8217; Rights of Appraisal&#8221; beginning on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Are there any risks that I should consider in deciding whether to vote for approval of the merger-related proposals?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Yes. You should read and carefully consider the risk factors set forth in the section of this proxy statement/prospectus entitled &#8220;Risk Factors&#8221; beginning on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;When and where will Delaware shareholders meet?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware will hold a special meeting of its shareholders on __________, 2016, at __:__&#160;_.m., Eastern Time, at _____________________________________ located at _______________________, Walton, New York.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What matters are Delaware shareholders being asked to approve at the special meeting pursuant to the proxy statement/prospectus?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware shareholders are being asked to adopt the merger agreement and approve the transactions contemplated by the merger agreement, including the merger. Delaware shareholders also are being asked to approve a proposal to adjourn, postpone or continue the special meeting, if necessary, to solicit additional proxies in favor of adoption of the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What does Delaware&#8217;s Board of Directors recommend with respect to the proposals?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors has unanimously approved the merger agreement and determined that the merger agreement and the merger are fair to and in the best interests of Delaware and its shareholders and unanimously recommends that Delaware shareholders vote &#8220;<font style="FONT-WEIGHT: bold; DISPLAY: inline">FOR</font>&#8221; the merger agreement and &#8220;<font style="FONT-WEIGHT: bold; DISPLAY: inline">FOR</font>&#8221; the adjournment proposal.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Did the Board of Directors of Delaware receive an opinion from a financial advisor with respect to the merger?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Yes. On March 10, 2016, Sandler O&#8217;Neill &amp; Partners, L.P., which we refer to in this proxy statement/prospectus as &#8220;Sandler,&#8221; rendered its written opinion to the board of directors of Delaware that, as of such date and based upon and subject to the factors and assumptions described to the Delaware board of directors during its presentation and set forth in the opinion, the consideration in the proposed merger was fair, from a financial point of view, to holders of Delaware common stock.&#160;&#160;You should read and carefully consider the description of Sandler&#8217;s opinion and analysis set forth in the section of this proxy statement/prospectus entitled &#8220;The Merger and the Merger Agreement &#8212; Opinion of Delaware&#8217;s Financial Advisor&#8221; beginning on page&#160;__.&#160;&#160;The full text of Sandler&#8217;s written opinion is attached as Annex&#160;B to this proxy statement/prospectus.&#160;&#160;Delaware shareholders are urged to read the opinion in its entirety.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Who can vote at the special meeting?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Holders of record of Delaware common stock at the close of business on ___________ __, 2016, which is the record date for the special meeting, are entitled to vote at the special meeting.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;How many votes must be represented in person or by proxy at the special meeting to have a quorum?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The holders of a majority of the shares of Delaware common stock outstanding and entitled to vote at the special meeting, present in person or represented by proxy, will constitute a quorum at the special meeting.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What vote by shareholders is required to approve each of the proposals?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Approval of the merger agreement will require the affirmative vote of the holders of two-thirds of the outstanding shares.&#160;&#160;Approval of the adjournment proposal will require the affirmative vote of a majority of the votes cast at the special meeting assuming a quorum is present. Abstentions and broker non-votes will have the same effect as voting against the merger agreement proposal but will have no effect on the adjournment proposal.&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As of the record date for the special meeting, directors and executive officers of Delaware, together with their affiliates, had sole or shared voting power over approximately 3.3% of the Delaware common stock outstanding and entitled to vote at the special meeting.&#160;&#160;Directors and executive officers of Norwood, together with their affiliates, do not have sole or shared voting power over any shares of Delaware common stock entitled to vote at the special meeting.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;How may the Delaware shareholders vote their shares for the proposals being presented at the special meeting?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware shareholders may vote by completing, signing, dating and returning the proxy card in the enclosed prepaid return envelope as soon as possible. This will enable their shares to be represented and voted at the special meeting.&#160;&#160;Delaware shareholders may also vote by telephone or on the internet by following the instructions on the proxy card.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Will a broker or bank holding shares in &#8220;street name&#8221; for a Delaware shareholder automatically vote those shares for a shareholder at the special meeting?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;No.&#160;A broker or bank<font style="FONT-WEIGHT: bold; DISPLAY: inline"> WILL NOT</font> be able to vote your shares with respect to the merger agreement proposal without first receiving instructions from you on how to vote. If your shares are held in &#8220;street name,&#8221; you will receive separate voting instructions with your proxy materials. It is therefore important that you provide timely instruction to your broker or bank to ensure that all shares of Delaware common stock that you own are voted at the special meeting.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Will Delaware shareholders be able to vote their shares in person at the Special Meeting?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Yes. Submitting a proxy will not affect the right of any Delaware shareholder to vote in person at the special meeting.&#160;&#160;However, if a Delaware shareholder holds shares in &#8220;street name,&#8221; the shareholder must first ask its broker or bank how to vote those shares in person at the special meeting and obtain a &#8220;legal proxy.&#8221;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What do Delaware shareholders need to do now?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;After carefully reading and considering the information contained in this proxy statement/prospectus, please vote your shares promptly.&#160;&#160;If you hold your shares of Delaware common stock as a shareholder of record, you should complete, sign, date and promptly return the enclosed proxy </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">5</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">card or vote by telephone or on the internet. The proxy card will instruct the persons named on the proxy card to vote your Delaware shares at the special meeting as you direct. If you sign and send in a proxy card or vote by telephone or on the internet and do not indicate how you wish to vote, the proxy will be voted &#8220;<font style="FONT-WEIGHT: bold; DISPLAY: inline">FOR</font>&#8221; the special meeting proposals.&#160;&#160;If you hold your stock in &#8220;street name&#8221; through a bank or broker, you must direct your bank or broker to vote in accordance with the instructions you have received from your bank or broker. Submitting your proxy card, voting by telephone or on the internet or directing your bank or broker to vote your shares will ensure that your shares are represented and voted at the special meeting.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What should a Delaware shareholder do if he or she receives more than one set of voting materials?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;As a Delaware shareholder, you may receive more than one set of voting materials, including multiple copies of this proxy statement/prospectus and multiple Delaware proxy cards or voting instruction cards.&#160;&#160;For example, if you hold your Delaware shares in more than one brokerage account, you will receive a separate voting instruction card for each brokerage account in which you hold Delaware shares.&#160;&#160;If you are a holder of record and your Delaware shares are registered in more than one name, you will receive more than one proxy card. Please complete, sign, date and return each proxy card and voting instruction card that you receive or otherwise follow the voting instructions set forth in this proxy statement/prospectus in the section entitled &#8220;The Special Meeting of Shareholders&#8221; beginning on page __.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;May a Delaware shareholder change or revoke the shareholder&#8217;s vote after submitting a proxy?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">Yes.</font>&#160;&#160;If you are a record holder of Delaware common stock, you can change your vote by:&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">providing written notice of revocation to the Secretary of Delaware or Morrow &amp; Co., LLC prior to the time the special meeting begins;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">submitting a later dated, signed and dated proxy card prior to the time the special meeting begins (any earlier proxies will be revoked automatically);&#160;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">voting again by telephone or on the internet prior to the time the special meeting begins (any earlier proxies will be revoked automatically); or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">attending the special meeting and voting in person. Any earlier proxy will be revoked. However, simply attending the special meeting without voting will not revoke your proxy.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;If you have instructed a bank or broker to vote your shares, you must follow your bank&#8217;s or broker&#8217;s directions to change your vote.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">6</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">You should send any notice of revocation or your completed new proxy card, as the case may be, to Morrow &amp; Co., LLC, Delaware&#8217;s proxy solicitor, as follows:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Morrow &amp; Co., LLC</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Attn: Tom Skulski</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">470 West Avenue, 3<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">rd</font> Floor</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Stamford, CT 06902</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">On the internet at www.proxyvoting.com/dbai</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By telephone at 1-888-887-2965 (toll free)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;What happens if I sell my shares of Delaware common stock before the special meeting?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The record date for Delaware shareholders entitled to vote at the special meeting is earlier than both the date of the special meeting and the completion of the merger.&#160;&#160;If you transfer your Delaware shares of common stock after the record date but before the special meeting, you will, unless special arrangements are made, retain your right to vote at the special meeting but will transfer the right to receive the merger consideration to the person to whom you transfer your shares.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Q:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Who can help answer my questions?</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;If you have any questions about the merger or the special meeting, or if you need additional copies of this proxy statement/prospectus or the enclosed proxy card, you should contact Delaware&#8217;s proxy solicitor, Morrow &amp; Co., LLC, at 1-855-201-1081 (toll free).</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font><br>
&#160;</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">7</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SUMMARY</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">This summary, together with the section of this proxy statement/prospectus entitled &#8220;Questions and Answers About the Merger and the Special Meeting&#8221; highlights selected information from this proxy statement/prospectus and may not contain all of the information that is important to you.&#160;&#160;To understand the merger fully, and for a more complete description of the legal terms of the merger, you should carefully read this entire proxy statement/prospectus, the annexes attached to this proxy statement/prospectus and the documents which are referred to in this proxy statement/prospectus. The Agreement and Plan of Merger, dated as of March 10, 2016, is attached as Annex A to this proxy statement/prospectus. We have included page references in parentheses to direct you to the appropriate place in this proxy statement/prospectus for a more complete description of the topics presented in this summary.&#160;&#160;The terms &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to both Norwood and Delaware. This summary and the rest of this document contain forward-looking statements about events that are not certain to occur, and you should not place undue reliance on those statements.&#160;&#160;Please carefully read &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221; on page __ of this document.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">The Parties</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Norwood Financial Corp.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>717 Main Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Honesdale, Pennsylvania&#160;&#160;18431</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>(570) 253-1455</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood Financial Corp., a Pennsylvania corporation, is the holding company for Wayne Bank.&#160;&#160;Wayne Bank is a Pennsylvania chartered commercial bank headquartered in Honesdale, Pennsylvania.&#160;&#160;Wayne Bank was originally chartered on February 17, 1870 as Wayne County Savings Bank. Wayne County Savings Bank changed its name to Wayne County Bank and Trust in December 1943. In September 1993, Wayne Bank adopted the name Wayne Bank. On March 29, 1996, Wayne Bank completed a holding company reorganization and became a wholly owned subsidiary of Norwood.&#160;&#160;In 2011, Norwood acquired North Penn Bancshares, Inc. and its wholly owned subsidiary, North Penn Bank, which expanded Wayne Bank&#8217;s northeastern Pennsylvania footprint with five additional offices.&#160;&#160;Wayne Bank is an independent community bank with fifteen offices in the northeastern Pennsylvania counties of Wayne, Pike, Monroe and Lackawanna.&#160;&#160;It offers a wide variety of personal and business credit services and trust and investment products and real estate settlement services to the consumers, businesses, nonprofit organizations, and municipalities in each of the communities that it serves.&#160;&#160;In addition, Wayne Bank operates 15<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>ATMs, one in each of its branch locations.&#160;&#160;Norwood&#8217;s common stock is traded on the NASDAQ Global Market under the symbol &#8220;NWFL.&#8221;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">At December 31, 2015, Norwood had total assets of $750.5 million, total loans receivable of $559.9 million, deposits of $550.9 million, and stockholders&#8217; equity of $101.0 million.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>131-133 Delaware Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Walton, New York&#160;&#160;13856</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>(607) 865-4126</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc., a New York corporation, is the holding company for NBDC Bank, a national bank headquartered in Walton, New York. NBDC Bank operates twelve full-service locations in Delaware and Sullivan Counties, New York.&#160;&#160;NBDC Bank provides a full range of banking services to individuals and small businesses in its market area. Delaware&#8217;s common stock is quoted on the OTC Pink Marketplace under the symbol &#8220;DBAI.&#8221;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">8</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">At December 31, 2015, Delaware had total assets of $371.7 million, total loans receivable of $115.7 million, total deposits of $317.0 million and total shareholders&#8217; equity of $21.1 million.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">The Merger and the Merger Agreement (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The terms and conditions of the merger are contained in the merger agreement, which is attached to this proxy statement/prospectus as Annex&#160;A. We encourage you to read this agreement carefully, as it is the legal document that governs the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under the terms of the merger agreement, Delaware will merge with and into Norwood with Norwood as the surviving entity of the merger.&#160;&#160;Immediately thereafter, NBDC Bank will merge with and into Norwood&#8217;s wholly owned banking subsidiary, Wayne Bank, with Wayne Bank as the surviving entity of the bank merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Consideration to be Received in the Merger (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under the terms of the merger agreement, Delaware shareholders (other than dissenting shareholders) have the opportunity to elect, for each outstanding share of Delaware common stock they own, to receive:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline">&#9679;</font></font></font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">$16.68 in cash, without interest, which we refer to as the &#8220;cash consideration;&#8221; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt"><font style="FONT-FAMILY: Times New Roman; DISPLAY: inline">&#9679;</font></font></font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">0.6221 of a&#160;share of Norwood common stock, which we refer to as the &#8220;stock consideration.&#8221;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shareholders may also elect to receive the cash consideration for some of their shares of Delaware common stock and the stock consideration for the remainder, or make no election at all.&#160;&#160;Elections will be subject to the adjustment, election and allocation procedures specified in the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The allocation procedures are intended to provide that the number of shares of Delaware common stock that are converted into the cash consideration together with any dissenting shares equals 25% of the total merger consideration.&#160;&#160;In the event the cash consideration pool is oversubscribed, Delaware shareholders who make a cash election will receive a mix of cash and stock consideration in the merger. In the event the cash consideration pool is undersubscribed, shares for which no election has been made first and then, if necessary, shares for which a stock consideration election has been made will be converted into a cash election such that the amount of cash paid out in the transaction equals 25% of the total merger consideration.&#160;&#160;The allocation of the mix of consideration payable to individual Delaware shareholders in the merger will not be known until Norwood tallies the results of the cash/stock elections made by Delaware shareholders.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Election Procedures; Surrender of Stock Certificates (page __)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">An election form and transmittal materials, with instructions for their completion, will be provided to Delaware shareholders of record as of ___________ __, 2016 under separate cover. The election form entitles such shareholders to elect to receive cash, Norwood common stock, or to elect cash for some of their shares and stock for the remainder, or make no election with respect to the merger consideration. To make an effective election, a Delaware shareholder of record must submit a properly completed election form along with the stock certificate(s) to the exchange agent by the election deadline, which shall be as specified in the election form.&#160;&#160;Once a shareholder submits a properly completed election form along with the stock certificate(s) to the exchange agent, the shareholder will no longer be able to transfer the shares of Delaware common stock.<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;Delaware shareholders are urged to carefully </font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">9</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">read and follow the instructions for completion of the election form and to submit the form, together with their stock certificates, in advance of the election deadline.</font></font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Effective Time of the Merger (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The merger will occur after the satisfaction of all the closing conditions, including the receipt of all regulatory and shareholder approvals and after the expiration of all regulatory waiting periods.&#160;&#160;As of the date of this proxy statement/prospectus, the parties expect that the merger will be effective during the third calendar quarter of 2016.&#160;&#160;However, there can be no assurance as to when or if the merger will occur.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Special Meeting of Shareholders (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A special meeting of the shareholders of Delaware will be held at ______________________________, located at ___________________________, Walton, New York, at __:__&#160;_.m., Eastern Time, on ______________, 2016, for the following purposes:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">to approve the proposal to adopt the merger agreement and approve the transactions contemplated by the merger agreement, including the merger;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">to approve a proposal to adjourn, postpone or continue the special meeting, if necessary, to permit further solicitation of proxies in favor of adopting the merger agreement; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">to transact any other business which may properly come before the special meeting or any adjournment, postponement or continuance of the special meeting.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">You can vote at the special meeting of Delaware shareholders if you owned Delaware common stock at the close of business on ___________ __, 2016, the record date.&#160;&#160;On that date, there were 925,499 shares of Delaware common stock outstanding and entitled to vote, approximately 3.3% of which were owned and entitled to be voted by Delaware directors and executive officers and their affiliates.&#160;&#160;These individuals have entered into agreements with Norwood requiring them to vote all of these shares in favor of adoption of the merger agreement.&#160;&#160;You can cast one vote for each share of Delaware common stock you owned on the record date.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In order to approve the proposal to adopt the merger agreement, the holders of at least two-thirds of the outstanding shares must vote in favor of the proposal.&#160;&#160;In order to approve the adjournment proposal, if necessary, the holders of a majority of the votes cast in person or represented by proxy at the special meeting and entitled to vote must vote in favor of the proposal, assuming a quorum is present.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware&#8217;s Reasons for the Merger and Recommendation of the Delaware Board of Directors (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Delaware board of directors has unanimously determined that the merger agreement and the merger are fair to and in the best interests of Delaware and its shareholders and accordingly unanimously approved the merger agreement and recommends that Delaware shareholders vote &#8220;<font style="FONT-WEIGHT: bold; DISPLAY: inline">FOR</font>&#8221; the adoption of the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In determining whether to approve the merger agreement and recommend adoption of the merger agreement to the Delaware shareholders, Delaware&#8217;s board considered the factors described under &#8220;The Merger and the Merger Agreement &#8212; Delaware&#8217;s Reasons for the Merger and Recommendation of the Delaware Board of Directors.&#8221;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">10</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Opinion of Delaware&#8217;s Financial Advisor (page&#160;__ and Annex B)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">On March 10, 2016, Sandler rendered its written opinion to the board of directors of Delaware, that, as of such date and based upon and subject to the factors and assumptions described to the Delaware board of directors during its presentation and set forth in its written opinion, the consideration in the proposed merger was fair, from a financial point of view, to holders of Delaware common stock.&#160;&#160;The full text of Sandler&#8217;s written opinion, which sets forth the assumptions made, matters considered and limits on the review undertaken in connection with the opinion, is attached as Annex B to this proxy statement/prospectus and is incorporated by reference herein.&#160;&#160;Delaware shareholders are urged to read the opinion in its entirety.&#160;&#160;Sandler&#8217;s written opinion is addressed to the board of directors of Delaware, is directed only to the fairness, from a financial point of view, of the consideration in the merger to the holders of Delaware common stock and does not constitute a recommendation as to how any holder of Delaware common stock should vote with respect to the merger or any other matter.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Interests of Delaware Directors and Executive Officers in the Merger (page __)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In considering the recommendation of the board of directors of Delaware to adopt the merger agreement, you should be aware that officers and directors of Delaware have employment and other compensation agreements or plans that give them interests in the merger that may be different from, or in addition to, their interests as Delaware shareholders. These interests and agreements include:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">employment and severance agreements that provide for severance payments and other benefits following a change in control and a termination of employment by the employer for reasons other than cause, disability, retirement or death;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">supplemental executive retirement agreements that provide for lump-sum payouts of amounts accrued for benefits in connection with a change in control;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">retention bonus plans through which certain executive officers will receive bonuses if they remain with Norwood for at least 12 months following the merger;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the fact that one current director of Delaware will be appointed as a director of Norwood within 18 months after the merger is completed;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the fact that the current Delaware directors will be entitled to be appointed to a Community Advisory Board and receive a retainer in the amount of $1,000 per month for an 18-month period in exchange for their efforts in promoting the combined entity after the effective time of the merger;&#160;and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">rights of Delaware officers and directors to indemnification and directors&#8217; and officers&#8217; liability insurance for a period of up to six years following the merger.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">These additional interests of Delaware&#8217;s executive officers and directors may create potential conflicts of interest and cause these persons to view the proposed transaction differently than you may view it as a shareholder.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware&#8217;s board of directors was aware of these interests and took them into account, among other matters, in its decision to approve the merger agreement and the transactions contemplated thereby, including the merger. For information concerning these interests, please see the discussion under the caption &#8220;The Merger&#160;and the Merger Agreement &#8212; Interests of Certain Persons in the Merger,&#8221; beginning on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">11</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Regulatory Approvals Required for the Merger (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Completion of the merger is subject to various regulatory approvals or waivers, including, in connection with the planned merger of our subsidiary banks following completion of the merger, the Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;) and the Pennsylvania Department of Banking and Securities (the &#8220;Department&#8221;).&#160;&#160;We have also requested a waiver from the Federal Reserve Board (the &#8220;FRB&#8221;) of its application requirement. We have completed, or will complete, filing all the required applications and notices with regulatory authorities. We also have made or will make filings with various other federal and state regulatory agencies and self-regulatory organizations, notifying, or requesting approval from, those agencies and organizations for or in connection with the merger and the bank merger. Although we currently believe we should be able to obtain all required regulatory approvals in a timely manner, we cannot be certain when or if we will obtain them or, if obtained, whether they will contain terms, conditions or restrictions not currently contemplated that will be detrimental to or have a material adverse effect on Norwood after the completion of the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Conditions to Completing the Merger (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Completion of the merger depends on a number of conditions being satisfied or waived, including the following:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">approval of the merger agreement by the requisite vote of Delaware&#8217;s shareholders;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">receipt of all required regulatory approvals, the expiration of all statutory waiting periods and the satisfaction of all conditions to the consummation of the merger set forth in the regulatory approvals;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">there shall be no pending causes of action, investigations or proceedings (1)&#160;challenging the validity or legality of the merger agreement or the consummation of the merger, or (2)&#160;seeking damages in connection with the merger, or (3)&#160;seeking to restrain or invalidate the merger; unless actual or threatened causes of action, investigations or proceedings would not have a material adverse effect with respect to the interests of Norwood or Delaware, as the case may be;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">no judgment, order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraints or prohibition preventing the completion of the merger shall be in effect;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">no statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by a regulatory authority that prohibits, restraints, or makes illegal the consummation of the merger;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood&#8217;s registration statement of which this proxy statement/prospectus is a part shall have been declared effective by the SEC;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the shares of Norwood common stock shall have been approved for listing on the NASDAQ, subject to official notice of issuance;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Delaware shall have received opinions from their respective legal counsel to the effect that the merger qualifies as a tax-free reorganization within the meaning of Section 368(a) of the Internal Revenue Code; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">12</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the other party having performed in all material respects its obligations under the merger agreement, the other party&#8217;s representations and warranties being true and correct as of the effective date of the merger and receipt of a certificate signed by the other party&#8217;s chief executive officer to that effect.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font> Norwood&#8217;s obligations to consummate the merger are also conditioned on the following:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">there shall have been no determination by Norwood that any fact, event, or condition exists or has occurred that would have a material adverse effect on Delaware or the consummation of the&#160;&#160;transactions contemplated by the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shall have received all consents and approvals from third parties (other than those required from regulatory authorities) required to complete the merger, unless, in the opinion of Norwood, failure to obtain those consents or approvals would not have a material adverse effect on the merger or Norwood after completion of the merger;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">there shall be no action taken by an regulatory authority, or any statute, rule, regulation or order shall have been enacted, which, in connection with approval of the merger, imposes, in the judgment of Norwood, any material adverse requirement upon Norwood or any Norwood subsidiary, including, without limitation, any requirement that Norwood sell or dispose of any significant amount of assets of Delaware, or any other Norwood subsidiary;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shall have delivered a certificate to Norwood that, other than as set forth in the certificate, Delaware is not aware of any pending or threatened claim under the directors and officers insurance policy or the fidelity bond coverage of Delaware; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the holders of no more than 12% of the issued and outstanding shares of Delaware common stock shall have exercised dissenters&#8217; rights.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware&#8217;s obligations to consummate the merger are also conditioned upon the delivery by Norwood to the exchange agent of the exchange fund.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Although we anticipate that the closing will occur during the third calendar quarter of 2016, because the satisfaction of certain of these conditions is beyond our control, we cannot be certain when, or if, the conditions to the merger will be satisfied or waived or whether or not the merger will be completed.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">No Solicitation; Board Recommendation (page&#160;__)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware has agreed not to initiate, solicit, encourage or facilitate, directly or indirectly, any inquiries or proposals from any third party relating to an acquisition of Delaware, or engage in any negotiations concerning, or provide any confidential or nonpublic information or data to, or have any discussions with, any person relating to, any acquisition proposal. Notwithstanding these restrictions, the merger agreement provides that, under specified circumstances prior to shareholder approval of the merger agreement, in response to an unsolicited bona fide acquisition proposal from a third party if, in the good faith judgment of the Delaware board of directors (after consultation with and considering the advice of its legal counsel and financial advisor) (i) it is legally necessary for the proper discharge of its fiduciary duties to respond to such proposal and (ii) such proposal constitutes a &#8220;superior proposal&#8221; as compared to the terms of the merger with Norwood, Delaware may furnish information regarding Delaware and participate in discussions and negotiations with such third party.&#160;&#160;&#160;Delaware has agreed to submit the merger agreement for adoption by its shareholders. The Delaware board of directors has </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">13</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">recommended that its shareholders vote in favor of adopting the merger agreement and has agreed that it will not withdraw, qualify or adversely modify its recommendation to its shareholders to vote in favor of adoption of the merger agreement, except as permitted under the merger agreement in connection with an unsolicited superior acquisition proposal after giving effect to any adjustments that may be offered by Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Termination; Termination Fee (pages&#160;__ and __)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Delaware may mutually agree at any time to terminate the merger agreement without completing the merger, even if the Delaware shareholders have adopted the merger agreement in connection with the merger.&#160;&#160;The merger agreement may also be terminated and the merger abandoned at any time prior to the effective time of the merger, as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if the shareholders of Delaware fail to approve the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if a required regulatory approval, consent or waiver is denied;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if the merger is not consummated by December 31, 2016 or other mutually agreed upon later date, unless failure to complete the merger by that time is due to a breach of a representation, warranty or covenant by the party seeking to terminate the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if it is determined that any condition precedent to the obligation of such party to consummate the merger (other than the receipt of regulatory and shareholder approvals) cannot be satisfied by December 31, 2016 provided that the party seeking to terminate is not in breach of any representation or warranty contained in the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if the other party materially breaches any representation, warranty, covenant or agreement contained in the merger agreement, or in the event of an inaccuracy of any representation or warranty by the other party, in either case that has not been cured within 30 days following written notice to such party;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Norwood, if Delaware fails to hold its shareholder meeting to vote on the merger within the time frame set in the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Norwood, if the board of directors of Delaware does not recommend approval of the merger to the Delaware shareholders or withdraws or revises its recommendation in a manner adverse to Norwood;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Delaware, if prior the approval of the merger agreement by the shareholders of Delaware, it receives a superior proposal from a third party that, in the good faith determination of Delaware&#8217;s board of directors based upon the advice of legal counsel, the board is required to accept in order to comply with its fiduciary duties and Norwood does not make an offer at least as favorable to Delaware within 5 days after notice; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Delaware, at any time during a 5-day period beginning on the date that all required regulatory approvals have been received (the &#8220;Determination Date&#8221;) if <font style="TEXT-DECORATION: underline; DISPLAY: inline">both</font> of the following conditions are satisfied:</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">14</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 108pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">o<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The average of the daily closing sales prices for the Norwood common stock for the 20 consecutive trading days immediately preceding the Determination Date (the &#8220;Norwood Market Value&#8221;) is less than $21.08;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 108pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">o<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The number obtained by dividing the Norwood Market Value by $26.35 is less than the number obtained by dividing the average closing prices of the NASDAQ Bank Index for the 20 consecutive trading days immediately preceding the Determination Date divided by the NASDAQ Index Price on March 7, 2016 minus 0.20;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">unless within five business days of notice of such termination, Norwood notifies Delaware that it will increase the exchange ratio for the stock consideration so that the Norwood Market Value is equal to a dollar amount that is the lesser of $21.08 or the amount obtained by reducing the Initial Norwood Market Value ($26.35) by the percentage change in the NASDAQ Bank Index less 20 percentage points.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 13.2pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware may be required to pay to Norwood a termination fee of $615,000 in certain circumstances described under &#8220;The Merger and the Merger Agreement &#8212; Termination Fee&#8221; beginning on page&#160;__.&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Material United States Federal Income Tax Consequences of the Merger (page ____)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Norwood and Delaware will not be required to complete the merger unless they each receive legal opinions from their respective counsel to the effect that the merger will qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Provided that the merger qualifies as a reorganization for United States federal income tax purposes, the specific tax consequences of the merger to a Delaware shareholder will depend upon the form of consideration such Delaware shareholder receives in the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>If you receive solely shares of Norwood common stock and cash instead of a fractional share of Norwood common stock in exchange for your Delaware common stock, then you generally will not recognize any gain or loss, except with respect to the cash received instead of a fractional share of Norwood common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>If you receive solely cash, then you generally will recognize gain or loss equal to the difference between the amount of cash you receive and your cost basis in your Delaware common stock. Generally, any gain recognized upon the exchange will be capital gain, and any such capital gain will be long-term capital gain if you have established a holding period of more than one year for your shares of Delaware common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>If you receive a combination of Norwood common stock and cash, other than cash instead of a fractional share of Norwood common stock, in exchange for your Delaware common stock, then you may recognize gain, but you will not recognize loss, upon the exchange of your shares of Delaware common stock for shares of Norwood common stock and cash. If the sum of the fair market value of the Norwood common stock and the amount of cash you receive in exchange for your shares of Delaware common stock exceeds the cost basis of your shares of Delaware common stock, you will recognize taxable gain equal to the lesser of the amount of such excess or the amount of cash you receive in the exchange. Generally, any gain recognized upon the exchange will be capital gain, and any such capital gain will be long-term capital gain if you have established a holding period of more than one year for your shares of Delaware common stock. Depending on certain facts specific to you, any gain could instead be characterized as&#160;dividend income.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">15</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>For a more detailed discussion of the material United States federal income tax consequences of the transaction, see &#8220;The Merger and the Merger Agreement &#8212; Material United States Federal Income Tax Consequences of the Merger&#8221; beginning on page [___].</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>The consequences of the merger to any particular shareholder will depend on that shareholder&#8217;s particular facts and circumstances. Accordingly, you are urged to consult your tax advisor to determine your tax consequences from the merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Stock Market Listing (page&#160;__)</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Application will be made by Norwood to have the shares of Norwood common stock to be issued in the merger approved for listing on the NASDAQ Global Market, which is the principal trading market for existing shares of Norwood common stock.&#160;&#160;It is a condition to both parties&#8217; obligation to complete the merger that such approval be obtained, subject to official notice of issuance.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Comparison of Shareholder Rights (page&#160;__)</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The rights of Delaware shareholders who continue as Norwood shareholders after the merger will be governed by the Pennsylvania Business Corporation Law and the articles of incorporation and bylaws of Norwood rather than by the New York Business Corporation Law and the certificate of incorporation and bylaws of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Dissenters&#8217; Appraisal Rights (page&#160;__ and Annex&#160;C)</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware is organized under New York law.&#160;&#160;Under applicable New York law, Delaware shareholders are entitled to dissent from the merger and obtain payment of the judicially determined &#8220;fair value&#8221; of their shares of Delaware common stock.&#160;&#160;The judicially determined &#8220;fair value&#8221; could be more or less than the merger consideration.&#160;&#160;If you wish to dissent from the merger:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">you must submit a written objection to Delaware before the vote upon the merger agreement at the special meeting; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">you may not vote in favor of the merger agreement.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In submitting your written demand, you must follow the procedures set forth in Section 623 of the New York Business Corporation Law, a copy of which is attached as Annex C to this proxy statement/prospectus.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">16</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Comparative Market Prices and Share Information (page __)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood common stock&#160;is traded&#160;on the NASDAQ Global Market under the symbol &#8220;NWFL.&#8221;&#160;&#160;Delaware common stock is traded in the over-the-counter market and quoted on the OTC Pink Marketplace under the symbol &#8220;DBAI.&#8221; The following table shows the last closing sale prices of Norwood common stock as reported on the NASDAQ Global Market and the last closing sales prices of the Delaware common stock as reported on the OTC Pink Marketplace, respectively,&#160;as of&#160;March 10, 2016, the last trading day before we announced the merger, and on ___________ __, 2016, the latest practicable date prior to mailing this proxy statement/prospectus.&#160; The table also presents the equivalent value of the merger consideration per share of Delaware common stock on March 10, 2016 and ___________ __, 2016. The equivalent value per share of Delaware&#160;common stock on such dates is&#160;calculated by multiplying the closing price of Norwood common stock on those dates by 0.6221, which represents the number of shares of Norwood common stock that Delaware shareholders electing to receive Norwood common stock would receive in the merger for each share of&#160;Delaware&#160;common stock.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div align="left">
<table cellpadding="0" cellspacing="0" width="91%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="41%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Common</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Stock</font></div>
</td>
<td valign="bottom" width="5%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Common Stock</font></div>
</td>
<td valign="bottom" width="5%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Equivalent Per</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Share Value</font></div>
</td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">At March 10, 2016</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.50</font></div>
</td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.11</font></div>
</td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.49</font></div>
</td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">At ___________ __, 2016</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>The market price of Norwood common stock and Delaware common stock will fluctuate prior to the merger.&#160;&#160;You should obtain current stock price quotations for the shares.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">17</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SELECTED HISTORICAL FINANCIAL DATA FOR NORWOOD</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">The following selected financial information for the fiscal years ended December 31, 2015, 2014, 2013, 2012 and 2011 is derived from audited consolidated financial statements of Norwood Financial Corp.&#160;&#160;You should read this information in conjunction with Norwood&#8217;s consolidated financial statements and related notes at December 31, 2015 and 2014 and for the three years ended December 31, 2015 incorporated by reference into this proxy statement/prospectus.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify">
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="36%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="18" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">At or for the years ended December 31,</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="36%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160;</td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">2015&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">2014&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">2013&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">2012&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">2011&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="36%"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%"><font style="FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="18" valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">(dollars in thousands, except per share data)</font></td>
<td valign="bottom" width="1%">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Net interest income</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">24,521</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">24,560</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">24,661</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">24,764</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">22,588</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Provision for loan losses</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">4,580</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1,680</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">2,400</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">2,450</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1,575</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td valign="bottom" width="36%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Other income</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">3,969</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">3,940</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">4,734</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">3,787</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">3,762</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Net realized gains on sales of securities</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">730</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1,170</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">881</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1,419</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">973</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td valign="bottom" width="36%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%" style="PADDING-BOTTOM: 2px">
<div align="left">Other expenses</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">17,100</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">17,727</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">16,705</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">16,081</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">15,813</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Income before income taxes</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">7,540</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">10,263</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">11,171</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">11,439</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">9,935</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%" style="PADDING-BOTTOM: 2px">
<div align="left">Income tax expense</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">1,632</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">2,606</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">2,706</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">3,036</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">&#160; </td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid">&#160; </td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div align="right">2,579</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">&#160; </td>
</tr><tr>
<td valign="bottom" width="36%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%" style="PADDING-BOTTOM: 4px">
<div align="left">Net Income</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div align="right">5,908</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div align="right">7,657</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div align="right">8,465</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div align="right">8,403</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 4px">&#160; </td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div align="right">7,356</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">&#160; </td>
</tr><tr>
<td valign="bottom" width="36%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Net income per share-Basic</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.60</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.10</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.33</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.33</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.17</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Diluted</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.60</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.10</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.33</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.33</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.17</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Cash dividends declared</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.24</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.20</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.16</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.10</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.06</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Dividend pay-out ratio</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">77.50</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">57.14</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">49.79</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">47.23</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">48.95</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Return on average assets</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">0.80</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.08</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.23</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.23</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.18</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Return on average equity</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">5.83</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">7.92</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">9.13</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">9.22</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">9.26</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
</tr><tr>
<td valign="bottom" width="36%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Balances at Period-End</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Total assets</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">750,505</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">711,635</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">711,234</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">672,299</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">668,814</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Loans receivable</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">559,925</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">501,135</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">503,097</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">476,710</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">457,907</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Allowance for loan losses</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">7,298</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">5,875</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">5,708</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">5,502</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">5,458</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Total deposits</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">550,909</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">559,944</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">541,182</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">524,425</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">525,767</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Shareholders&#8217; equity</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">100,998</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">99,041</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">91,864</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">92,421</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">88,061</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Trust assets under management</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">131,690</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">134,888</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">126,673</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">112,081</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">107,696</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td valign="bottom" width="36%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Book value per share</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">27.39</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">26.30</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">25.43</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">25.49</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="left" valign="bottom" width="2%">
<div align="left">$</div>
</td>
<td align="right" valign="bottom" width="7%">
<div align="right">24.37</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td valign="bottom" width="36%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="7%">&#160; </td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Average equity to average assets</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">13.76</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">13.62</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">13.42</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">13.36</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">12.76</div>
</td>
<td align="left" valign="bottom" width="1%">
<div align="left">%</div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Tier 1 Capital to risk-adjusted assets</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">15.86</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">17.33</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">16.53</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">16.37</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">15.90</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Total Capital to risk-adjusted assets</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">17.09</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">18.49</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">17.66</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">17.51</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">17.08</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Allowance for loan losses to total loans</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.30</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.17</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.13</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.15</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.19</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr><tr>
<td align="left" valign="bottom" width="36%">
<div align="left">Non-performing assets to total assets</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.33</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.31</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.48</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">2.09</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td valign="bottom" width="2%">&#160; </td>
<td align="right" valign="bottom" width="7%">
<div align="right">1.60</div>
</td>
<td valign="bottom" width="1%">&#160; </td>
</tr></table>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">18</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SELECTED HISTORICAL FINANCIAL DATA FOR DELAWARE</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">The following selected financial information for the fiscal years ended December 31, 2015 and 2014 is derived from audited consolidated financial statements of Delaware Bancshares, Inc. &#160;You should read this information in conjunction with Delaware&#8217;s consolidated financial statements and related notes for the year ended December 31, 2015 beginning on&#160;page F-1&#160;of this proxy statement/prospectus.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year Ended December 31,</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(dollars in thousands, except per share data)</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Financial Condition Data:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">371,689</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">380,663</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investment securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">213,626</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">233,171</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans receivable, net</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">114,027</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">101,247</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">316,969</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">304,776</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">FHLB overnight advances</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,500</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24,750</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Long-term debt</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11,781</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12,000</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Junior subordinated debentures</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,248</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,248</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total shareholders&#8217; equity</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,060</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,346</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Operating Data:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,803</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9,253</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest expense</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,313</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,861</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,490</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,392</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Provision for loan losses</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">150</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net interest income after provision for loan losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,340</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,376</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other income</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,240</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,253</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other expenses</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11,554</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9,846</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Income before taxes</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">783</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Income tax expense</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(565</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(184</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net income</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">591</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">967</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Per Share Data:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Earnings per share</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.64</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.04</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dividends per share</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year Ended December 31,</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Performance Ratios:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Return on average assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Return on average equity</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.79</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dividend payout ratio</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;62.61</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">62.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Average equity to average assets</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;5.85</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="TEXT-ALIGN: left; PADDING-LEFT: 1%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="TEXT-ALIGN: left; PADDING-LEFT: 1%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Asset Quality Ratios:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-LEFT: 1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loan loss reserve</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,677</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,561</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-LEFT: 1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net charge-offs</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(34</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(135</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-LEFT: 1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Allowance for loan losses as a percent of total loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-LEFT: 1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net loan losses to average total loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(0.03</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(0.13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">19</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">RISK FACTORS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">In addition to the other information contained in this proxy statement/prospectus or in any of the documents incorporated by reference herein, including the matters addressed under the caption &#8220;Cautionary Statement Regarding Forward-Looking Statements,&#8221; Delaware shareholders should carefully consider the following risk factors in deciding whether to vote for adoption of the merger agreement. You should also consider the other information in this proxy statement/prospectus. See &#8220;Where You Can Find More Information&#8221; in the forepart of this proxy statement/prospectus and &#8220;Incorporation of Certain Documents by Reference&#8221;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Risks Related to the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Delaware Shareholders May Not Receive the Form of Merger Consideration They Elect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The merger agreement contains provisions relating to adjustment, election and allocation of the merger consideration under certain circumstances. The allocation procedures are intended to provide that the aggregate number of shares of Delaware common stock converted into the right to receive cash consideration, including dissenting shares, will equal 25% of the shares of Delaware common stock outstanding.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood common stock may be issued to Delaware shareholders who make cash elections if the cash consideration pool is oversubscribed, so that aggregate cash consideration payable to Delaware shareholders in the merger will not exceed the aggregate cash limit. Similarly, cash may be paid to Delaware shareholders who make stock elections if the cash consideration pool is undersubscribed so that the aggregate stock consideration paid in the merger will not exceed the aggregate stock consideration limit.&#160;&#160;In addition, the aggregate cash consideration pool may be decreased, and the aggregate stock consideration pool may be increased, in order for the merger to qualify as a reorganization within the meaning of Section&#160;368(a) of the Internal Revenue Code.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Since the cash consideration will be paid for only approximately 25% of the Delaware shares outstanding at the effective time of the merger, it is possible that the cash consideration pool will be oversubscribed and Delaware shareholders who elect to receive the cash consideration will receive a mix of cash and stock consideration in the merger. It is also possible that the cash consideration pool could be undersubscribed and that Delaware shareholders who elect to receive the stock consideration will receive a mix of cash and stock in exchange for their shares. The allocation of the mix of consideration payable to Delaware shareholders in the merger will not be known until Norwood tallies the results of the cash/stock elections made by Delaware shareholders. Delaware shareholders may not receive the amounts of cash or stock they elected. Accordingly, if there is an oversubscription of cash or an oversubscription of stock, it is likely that Delaware shareholders will not receive a portion of the merger consideration in the form that they elect, which could result in, among other things, tax consequences that differ from those that would have resulted had such shareholders received the form of consideration they elected.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Because the Market Price of Norwood Common Stock May Fluctuate, Delaware Shareholders Cannot be Sure of the Value of the Stock Consideration They May Receive.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shareholders may elect to receive cash, stock or cash for some shares and Norwood common stock for others in the merger. The exchange ratio of 0.6221 of a share of Norwood common stock per share of Delaware common stock at which Norwood is issuing its shares as part of the merger consideration is fixed (subject to customary anti-dilution adjustments and potential adjustment in certain circumstances involving a decline in Norwood&#8217;s stock price that exceeds a specified index).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">20</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Consequently, changes in the price of Norwood common stock prior to completion of the merger will affect the value of any shares of Norwood common stock that Delaware shareholders may receive upon completion of the merger. The value of the Norwood stock consideration will vary from the date of the announcement of the merger agreement, the date that this proxy statement/prospectus was mailed, the date of the special meeting and the date the merger is completed and thereafter. At the time that the merger is completed, the value of the stock consideration could be more or less than the value of the cash consideration. Accordingly, at the time of the special meeting, you will not know or be able to determine the value of the Norwood common stock you may receive upon completion of the merger. Stock price changes may result from a variety of factors, including general market and economic conditions, changes in the respective businesses, operations and prospects, and regulatory considerations of Norwood and Delaware. Many of these factors are beyond Norwood&#8217;s and Delaware&#8217;s control.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Delaware Shareholders Who Make Elections May Be Unable to Sell Their Shares in the Market Pending the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shareholders may elect to receive cash, stock or cash for some shares and Norwood common stock for others in the merger by completing an election form that will be sent under separate cover.&#160;&#160;Elections will require that shareholders making the election turn in their Delaware stock certificates. This means that during the time between when the election is made and the date the merger is completed, Delaware shareholders will be unable to sell their Delaware common stock. If the merger is unexpectedly delayed, this period could extend for a significant period of time. Delaware shareholders can shorten the period during which they cannot sell their shares by delivering their election shortly before the election deadline. However, elections received after the election deadline will not be accepted or honored.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Delaware Shareholders Will Have a Reduced Ownership and Voting Interest After the Merger and Will Exercise Less Influence Over Management.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shareholders currently have the right to vote in the election of the board of directors of Delaware and on other matters affecting Delaware. Upon the completion of the merger, each Delaware shareholder who receives shares of Norwood common stock will become a shareholder of Norwood with a percentage ownership of Norwood that is smaller than the shareholder&#8217;s percentage ownership of Delaware. It is currently expected that the former shareholders of Delaware as a group will receive shares in the merger constituting approximately 10.45% of the outstanding shares of Norwood common stock immediately after the merger.&#160;&#160;Because of this, Delaware shareholders may have less influence on the management and policies of Norwood than they now have on the management and policies of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Norwood May Fail to Realize the Anticipated Benefits of the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The success of the merger will depend on, among other things, Norwood&#8217;s ability to realize anticipated cost savings and to combine the businesses of Wayne Bank and NBDC Bank in a manner that permits growth opportunities and does not materially disrupt the existing customer relationships of NBDC Bank or result in decreased revenues due to any loss of customers. If Norwood is not able to successfully achieve these objectives, the anticipated benefits of the merger may not be realized fully or at all or may take longer to realize than expected.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Delaware have operated and, until the completion of the merger, will continue to operate, independently. Certain employees of Delaware may not be employed after the merger. In addition, employees of Delaware that Norwood wishes to retain may elect to terminate their employment as a result of the merger, which could delay or disrupt the integration process. It is possible that the integration process could result in the disruption of Norwood&#8217;s or Delaware&#8217;s ongoing businesses or </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">21</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">cause inconsistencies in standards, controls, procedures and policies that adversely affect the ability of Norwood or Delaware to maintain relationships with customers and employees or to achieve the anticipated benefits of the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Regulatory Approvals May Not Be Received, May Take Longer than Expected or May Impose Conditions that Are Not Presently Anticipated or Cannot Be Met.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Before the transactions contemplated in the merger agreement, including the merger, may be completed, various approvals must be obtained from the bank regulatory and other governmental authorities. These governmental entities may impose conditions on the completion of the merger or require changes to the terms of the merger agreement. Although the parties do not currently expect that any such conditions or changes would be imposed, such conditions or changes may be imposed, and such conditions or changes could have the effect of delaying completion of the transactions contemplated in the merger agreement or imposing additional costs on or limiting Norwood&#8217;s revenues, any of which might have a material adverse effect on Norwood following the merger. In addition, the regulatory approvals may not be received at any time, may not be received in a timely fashion, and may contain conditions on the completion of the merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">The Merger Agreement May Be Terminated in Accordance with Its Terms and the Merger May Not Be Completed.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The merger agreement is subject to a number of conditions which must be fulfilled in order to complete the merger. Those conditions include: approval of the merger agreement by Delaware shareholders, regulatory approvals, absence of orders prohibiting the completion of the merger, effectiveness of the registration statement of which this proxy statement/prospectus is a part, approval of the shares of Norwood common stock to be issued to Delaware shareholders for listing on the NASDAQ Global Market, the continued accuracy of the representations and warranties by both parties and the performance by both parties of their covenants and agreements, and the receipt by both parties of legal opinions from their respective tax counsels.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In addition, certain circumstances exist whereby Delaware may choose to terminate the merger agreement, including if Norwood&#8217;s share price declines to below $21.08 (subject to customary anti-dilution adjustments) as of the first date when all regulatory approvals for the merger have been received, combined with such decline being at least 20% greater than a corresponding decline in the value of the NASDAQ Bank Index, and no adjustment pursuant to a specified formula is made to the exchange ratio by Norwood. See &#8220;The Merger and the Merger Agreement &#8212; Terminating the Merger Agreement&#8221; beginning on page&#160;__ for a more complete discussion of the circumstances under which the merger agreement could be terminated. Therefore, the conditions to closing of the merger may not be fulfilled and the merger may not be completed.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Termination of the Merger Agreement Could Negatively Impact Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If the merger agreement is terminated, there may be various consequences, including:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware&#8217;s businesses may have been adversely impacted by the failure to pursue other beneficial opportunities due to the focus of management on the merger, without realizing any of the anticipated benefits of completing the merger;&#160;and</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the market price of Delaware common stock might decline to the extent that the current market price reflects a market assumption that the merger will be completed.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">22</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If the merger agreement is terminated and Delaware&#8217;s board of directors seeks another merger or business combination, Delaware shareholders cannot be certain that Delaware will be able to find a party willing to offer equivalent or more attractive consideration than the consideration Norwood has agreed to provide in the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If the merger agreement is terminated under certain circumstances, Delaware may be required to pay a termination fee of $615,000 to Norwood.&#160;&#160;See &#8220;The Merger and the Merger Agreement &#8212; Termination Fee&#8221; beginning on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Delaware Will Be Subject to Business Uncertainties and Contractual Restrictions While the Merger is Pending.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Uncertainty about the effect of the merger on employees and customers may have an adverse effect on Delaware and consequently on Norwood. These uncertainties may impair Delaware&#8217;s ability to attract, retain and motivate key personnel until the merger is completed, and could cause customers and others that deal with Delaware to seek to change existing business relationships with Delaware. Retention of certain employees may be challenging during the pendency of the merger, as certain employees may experience uncertainty about their future roles. If key employees depart because of issues relating to the uncertainty and difficulty of integration or a desire not to remain with the business, Norwood&#8217;s business following the merger could be negatively impacted. In addition, the merger agreement restricts Delaware from making certain acquisitions and taking other specified actions until the merger occurs without the consent of Norwood. These restrictions may prevent Delaware from pursuing attractive business opportunities that may arise prior to the completion of the merger. See &#8220;The Merger and the Merger Agreement &#8212; Conduct of Business Before the Merger&#8221; beginning on page&#160;__ for a description of the restrictive covenants to which Delaware is subject.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">The Merger Agreement Limits Delaware&#8217;s Ability to Pursue Alternatives to the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The merger agreement contains &#8220;no-shop&#8221; provisions that, subject to limited exceptions, limit Delaware&#8217;s ability to initiate, solicit, encourage or facilitate any inquiries or competing third-party proposals, or engage in any negotiations, or provide any confidential information, or have any discussions with any person relating to a proposal to acquire all or a significant part of Delaware. In addition, Delaware has agreed to pay Norwood a termination fee in the amount of $615,000 in the event that Norwood or Delaware terminates the merger agreement for certain reasons. These provisions might discourage a potential competing acquiror that might have an interest in acquiring all or a significant part of Delaware from considering or proposing that acquisition even if it were prepared to pay consideration with a higher per share market price than that proposed in the merger, or might result in a potential competing acquiror proposing to pay a lower per share price to acquire Delaware than it might otherwise have proposed to pay.&#160;&#160;Until the merger agreement is approved by Delaware shareholders, Delaware can consider and participate in discussions and negotiations with respect to an alternative unsolicited bona fide acquisition proposal (subject to its obligation to pay a termination fee under certain circumstances) so long as the Delaware board of directors determines in good faith (after consultation with and considering the advice of legal counsel and its financial advisor) that it is legally necessary to do so to comply with its fiduciary duties to Delaware shareholders under New York law and that such alternative acquisition proposal constitutes a superior proposal.&#160;&#160;Delaware has agreed to keep Norwood apprised of developments, discussions and negotiations relating to any such acquisition proposal.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">23</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Delaware Directors and Officers May Have Interests in the Merger Different from the Interests of Delaware Shareholders.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The interests of some of the directors and executive officers of Delaware may be different from those of Delaware shareholders, and directors and officers of Delaware may be participants in arrangements that are different from, or are in addition to, those of Delaware shareholders. These interests are described in more detail in the section of this proxy statement/prospectus entitled &#8220;The Merger and the Merger Agreement &#8212; Interests of Certain Persons in the Merger&#8221; beginning on page&#160;__.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">The Shares of Norwood Common Stock to Be Received by Delaware Shareholders as a Result of the Merger Will Have Rights Different from the Shares of Delaware Common Stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Upon completion of the merger, the rights of former Delaware shareholders who become Norwood shareholders will be governed by the Pennsylvania Business Corporation Law and the articles of incorporation and bylaws of Norwood. The rights associated with Delaware common stock are different from the rights associated with Norwood common stock. See &#8220;Comparison of Shareholder Rights&#8221; beginning on page&#160;__ for a discussion of the different rights associated with Norwood common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">The Unaudited Pro Forma Combined Financial Information Included in this Proxy Statement/Prospectus Is Preliminary and the Actual Financial Condition and Results of Operations After the Merger May Differ Materially.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The unaudited pro forma combined financial information in this proxy statement/prospectus is presented for illustrative purposes only and is not necessarily indicative of what Norwood&#8217;s actual financial condition or results of operations would have been had the merger been completed on the dates indicated. The pro forma combined financial information reflects adjustments, which are based upon preliminary estimates, to record the Delaware identifiable assets acquired and liabilities assumed at fair value and the resulting goodwill recognized. The purchase price allocation reflected in this proxy statement/prospectus is preliminary, and final allocation of the purchase price will be based upon the actual purchase price and the fair value of the assets and liabilities of Delaware as of the date of the completion of the merger.&#160;&#160;Accordingly, the final acquisition accounting adjustments may differ materially from the pro forma adjustments reflected in this proxy statement/prospectus.&#160;&#160;For more information, see &#8220;Pro Forma Data&#8221; beginning on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">The fairness opinion obtained by Delaware from its financial advisor will not reflect changes in circumstances subsequent to the date of the fairness opinion.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler, Delaware&#8217;s financial advisor in connection with the merger, has delivered to the board of directors of Delaware its opinion dated as of March 10, 2016.&#160;&#160;The opinion of Sandler stated that as of such date, and based upon and subject to the factors and assumptions set forth therein, the merger consideration to be paid to the holders of the outstanding shares of Delaware common stock pursuant to the merger agreement was fair from a financial point of view to such holders. The opinion does not reflect changes that may occur or may have occurred after the date of the opinion, including changes to the operations and prospects of Norwood or Delaware, changes in general market and economic conditions or regulatory or other factors. Any such changes, or changes in other factors on which the opinion is based, may materially alter or affect the relative values of Norwood and Delaware.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">24</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CAUTIONARY STATEMENT REGARDING</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">FORWARD-LOOKING STATEMENTS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Private Securities Litigation Reform Act of 1995 contains safe harbor provisions regarding forward-looking statements. These forward-looking statements include, but are not limited to, (i)&#160;the financial condition, results of operations and business of Norwood and Delaware; (ii)&#160;statements about the benefits of the merger, including future financial and operating results, cost savings, enhancements to revenue and accretion to reported earnings that may be realized from the merger; (iii)&#160;statements about our respective plans, objectives, expectations and intentions and other statements that are not historical facts; and (iv)&#160;other statements identified by words such as &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;believes,&#8221; &#8220;seeks,&#8221; &#8220;estimates,&#8221; or words of similar meaning. When used in this document, the words &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;contemplates,&#8221; &#8220;expects,&#8221; and similar expressions are intended to identify forward-looking statements.&#160;&#160;&#160;These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.</font><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 1pt; FONT-FAMILY: Times New Roman, serif; DISPLAY: inline"><font style="FONT-SIZE: 10pt; DISPLAY: inline">In addition to the factors discussed under &#8220;Risk Factors,&#8221; the following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8226;</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s and Delaware&#8217;s businesses may not be combined successfully, or such combination may take longer to accomplish than expected;</font></div>
</td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8226;</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">the growth opportunities and cost savings from the merger may not be fully realized or may take longer to realize than expected;</font></div>
</td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8226;</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">operating costs, customer losses and business disruption following the merger, including adverse effects of relationships with employees, may be greater than expected; and</font></div>
</td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8226;</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">governmental approvals of the merger may not be obtained, or adverse regulatory conditions may be imposed in connection with governmental approvals of the merger.</font></div>
</td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="69%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Neither Norwood nor Delaware undertakes any obligation to publicly release the results of any revisions to those forward-looking statements which may be made to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">25</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">MARKET VALUE OF SECURITIES</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Norwood.</font>&#160;&#160;Norwood&#8217;s common stock is traded on the NASDAQ Global Market under the symbol &#8220;NWFL&#8221;. As of ___________ __, 2016, there were approximately 2,200 shareholders based on transfer agent mailings.&#160;&#160;The following table sets forth the price range and cash dividends declared per share regarding common stock for the periods indicated:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Closing Price Range</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cash dividends</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">High</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Low</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">declared per share</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year 2016</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Second Quarter (through ___________ __, 2016)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year 2015</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Second Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30.90</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Third Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30.64</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.01</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fourth Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year 2014</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29.88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Second Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29.69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Third Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fourth Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Delaware.</font>&#160;&#160;Delaware&#8217;s common stock is quoted on the OTC Pink Marketplace under the symbol &#8220;DBAI&#8221;.&#160;&#160;An active trading market does not currently exist for Delaware common stock.&#160;&#160;As of ___________ __, 2016, there were approximately 466 holders of record of Delaware common stock. The following table shows the&#160;high and low&#160;closing sales prices of the Delaware common stock as reported on the OTC Pink Marketplace for the periods shown and the quarterly cash dividends declared per share for the periods indicated.&#160;&#160;Market quotations reflect inter-dealer prices, without retail mark-up, markdown, or commission, and may not necessarily reflect actual transactions.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Closing Price Range</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cash dividends</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">High</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Low</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">declared per share</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year 2016</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Second Quarter (through ___________ __, 2016)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year 2015</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.74</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Second Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.85</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Third Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fourth Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year 2014</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.80</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Second Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Third Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fourth Quarter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.74</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">26</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">COMPARATIVE PER SHARE DATA</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following table sets forth historical per share information for Norwood and Delaware and additional information as if the companies had been combined for the periods shown, which we refer to as &#8220;pro forma&#8221; information. The pro forma information is based upon the assumption that the total number of shares of Delaware common stock outstanding immediately prior to the completion of the merger will be 925,499, the number of shares outstanding at December 31, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Pursuant to the terms of the merger agreement, shareholders of&#160;Delaware&#160;will have the opportunity to elect to receive for each share of&#160;Delaware stock they own, either 0.6221 shares of&#160;Norwood common stock or&#160;$16.68&#160;in cash.&#160; The merger agreement also sets forth election procedures that are subject to allocation and proration procedures are intended to ensure that, in the aggregate, 75% of outstanding shares of Delaware common stock will be converted into Norwood common stock, and 25% will be converted into cash. Based on the merger allocation requirements, the following assumes 694,124 of the 925,499 shares of Delaware common stock would be exchanged for Norwood common stock, with the balance of the Delaware shares being exchanged for cash.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Delaware pro forma equivalent per share amounts are calculated by multiplying the Norwood pro forma combined book value per share, cash dividends per share and basic and diluted net income per share by the exchange ratio of 0.6221 so that the per share amounts equate to the respective values for one share of Delaware common stock. The unaudited pro forma Norwood per share equivalents are calculated by combining the Norwood historical share amounts with pro forma amounts from Delaware, assuming the exchange ratio of 0.6221.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We present below for Norwood and Delaware historical, unaudited pro forma combined and pro forma equivalent per share financial data for the year ended December&#160;31, 2015.&#160;&#160;This data should be read together with the selected historical financial data of Norwood and Delaware and the unaudited pro forma combined condensed financial statements included in this document. This data should also be read together with Norwood&#8217;s consolidated financial statements and related notes which are incorporated herein by reference and Delaware&#8217;s consolidated financial statements and related notes beginning on page&#160;F-1 of this proxy statement/prospectus.&#160;&#160;The per share data is not necessarily indicative of the operating results that Norwood would have achieved had it completed the merger as of the beginning of the periods presented and should not be considered as representative of future operations.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>The unaudited pro forma data are qualified by the statements set forth under this caption and should not be considered indicative of the market value of Norwood common stock or the actual or future results of operations of Norwood for any period. Actual results may be materially different than the pro forma information presented.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">27</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: center; DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Unaudited Pro Forma Per Share Data</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">For the Year Ended December 31, 2015</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">($ in Thousands, Except Per Share Data)</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Financial Corp.</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Bancshares, Inc.</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="17%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pro Forma</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Combined (1)(2)(3)</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Equivalent</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pro&#160;Forma</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware(1)</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Earnings per share:</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="17%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">For the year ended December 31, 2015</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Net income per share (Basic)</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.60</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.64</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;$</font></td>
<td align="left" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;1.69</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$ </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;1.05</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Net income per share (Diluted)</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.60</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.64</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;1.68</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;1.05</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Dividends declared:</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">For the year ended December 31, 2015</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.24</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.40</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;$&#160; </font></td>
<td align="left" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;1.24</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;0.77</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Book Value:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">As of December 31, 2015</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.39</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.76</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;$&#160; </font></td>
<td align="left" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.89</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.73</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Tangible Book Value:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">As of December 31, 2015</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.67</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="left" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.34</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;$ </font></td>
<td align="left" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.52</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160; </font></td>
<td align="left" valign="bottom" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.63</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>
</div>

&#160;</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The pro forma combined basic earnings and diluted earnings per share of Norwood common stock is based on the pro forma combined net income for Norwood and Delaware divided by the pro forma common shares or diluted common shares of the combined entities.&#160;&#160;The pro forma information includes adjustments related to the fair value of assets and liabilities of Delaware and is subject to adjustment as additional information becomes available and as additional analyses are performed.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The pro forma earnings per share information do not include anticipated cost savings or revenue enhancements, nor does it include one-time merger and integration expenses which will be expensed against income.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The pro forma combined balance sheet and book value per share data&#160;include the impact of merger expenses on the balance sheet with Delaware&#8217;s after tax charges currently estimated at $1.4 million, illustrated as a pro forma fair value liability accrual, and Norwood&#8217;s after-taxes estimated charges of $2.3 million, illustrated as a pro forma adjustment to retained earnings.&#160;&#160;The costs reflect estimates for professional fees, changes of control payments, system conversions, and employee severance costs.&#160;&#160;The pro forma combined book value and tangible book value per share of Norwood common stock is based on the pro forma combined common stockholders&#8217; equity of Norwood and Delaware divided by total pro forma common shares of the combined entities.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(4)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Pro forma equivalent Delaware per share amount is calculated by multiplying the pro forma combined per share amount by the exchange ratio of 0.6221 in accordance with the merger agreement.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">THE SPECIAL MEETING OF SHAREHOLDERS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware is mailing this proxy statement/prospectus to you as a Delaware shareholder on or about __________________, 2016. With this proxy statement/prospectus, Delaware is sending you a notice of the Delaware special meeting of shareholders and a form of proxy that is solicited by the Delaware board of directors.&#160;&#160;The special meeting will be held on ____________, 2016 at __:__ _.m., Eastern Time, at ____________________________, located at _______________________, Walton, New York.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Matters to be Considered</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The purpose of the special meeting of shareholders is to vote on the adoption of the merger agreement, pursuant to which Delaware will be merged with and into Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">You are also being asked to vote upon a proposal to adjourn, postpone or continue the special meeting of shareholders, if necessary, to permit further solicitation of proxies in favor of adopting the merger agreement.&#160;&#160;Delaware could use any adjournment or postponement for the purpose, among others, of allowing additional time to solicit proxies.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">28</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Who Can Vote at the Meeting</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">You are entitled to vote the shares of Delaware common stock that you owned as of the close of business on ___________ __, 2016.&#160;&#160;As of the close of business on ___________ __, 2016, a total of 925,499 shares of Delaware common stock were outstanding.&#160;&#160;Each share of common stock has one vote.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Ownership of Shares; Attending the Meeting</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">You may own shares of Delaware in one of the following ways:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><a name="hangingindent"><!--EFPlaceholder--></a><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">directly in your name as the shareholder of record; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">indirectly through a broker, bank or other holder of record in &#8220;street name&#8221;.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If your shares are registered directly in your name, you are the holder of record of these shares and we are sending these proxy materials directly to you.&#160;&#160;As the holder of record, you have the right to give your proxy directly to us or to vote in person at the meeting.&#160;&#160;If you hold your shares in street name, your broker, bank or other holder of record is sending these proxy materials to you.&#160;&#160;As the beneficial owner, you have the right to direct your broker, bank or other holder of record how to vote your shares by filling out a voting instruction form that accompanies your proxy materials.&#160;&#160;Your broker, bank or other holder of record may allow you to provide voting instructions by telephone or by the Internet.&#160;&#160;Please see the instruction form provided by your broker, bank or other holder of record that accompanies this proxy statement.&#160;&#160;If you hold your shares in street name, you will need proof of ownership to be admitted to the meeting.&#160;&#160;A recent brokerage statement or letter from a bank or broker are examples of proof of ownership.&#160;&#160;If you want to vote your shares of Delaware common stock held in street name in person at the meeting, you must obtain a written proxy in your name from the broker, bank or other nominee who is the record holder of your shares.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Quorum and Vote Required</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Quorum</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160; We will have a quorum and will be able to conduct the business of the special meeting if the holders of a majority of the outstanding shares of common stock entitled to vote are present at the meeting, either in person or by proxy.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Votes Required for Proposals</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160; Under New York law, the affirmative vote of at least two-thirds of the outstanding shares is required to approve the merger agreement.&#160;&#160;As of the record date, directors and executive officers of Delaware and their affiliates, had the right to vote approximately&#160;30,555 shares of Delaware common stock, or 3.3% of the outstanding shares of Delaware common stock at that date.&#160;&#160;Each of the directors and executive officers of Delaware has entered into a support agreement with Norwood to vote all of his or her shares of Delaware common stock in favor of the merger.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Approval of the proposal to adjourn, postpone or continue the special meeting, if necessary, for the purpose of soliciting additional proxies requires the affirmative vote of the holders of a majority of the votes cast in person or represented by proxy at the special meeting, whether or not a quorum is present.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">How We Count Votes</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;If you return valid proxy instructions or attend the meeting in person, we will count your shares for purposes of determining whether there is a quorum, even if you abstain from voting.&#160;&#160;Broker non-votes also will be counted for purposes of determining the existence of a quorum.&#160;&#160;Broker non-votes and abstentions will have the effect of a vote against the proposal to approve the merger agreement and will have no effect on the proposal to adjourn, postpone, or continue the meeting.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">29</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Voting by Proxy</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>The board of directors of Delaware is sending you this proxy statement/prospectus for the purpose of requesting that you allow your shares of Delaware common stock to be represented at the special meeting by the persons named in the board of directors&#8217; form of proxy.&#160;&#160;Delaware shareholders of record may vote by proxy in any of three different ways:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#9679;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-STYLE: italic; DISPLAY: inline">Voting by Telephone.</font>&#160;&#160;Call 1-888-887-2965 (toll free) and follow the instructions in the recorded message.&#160;&#160;You will need to have your proxy card with you when you call.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#9679;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-STYLE: italic; DISPLAY: inline">Voting on the Internet. </font>Go to <font style="TEXT-DECORATION: underline; DISPLAY: inline">www.</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">proxyvoting.com/dbai</font> and follow the instructions.&#160;&#160;You will need to have your proxy card with you when you link to the internet voting site.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#9679;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-STYLE: italic; DISPLAY: inline">Voting by Mail. </font>Complete, sign, date and return the enclosed proxy card in the envelope provided.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All shares of Delaware common stock represented at the special meeting by properly executed and dated proxies will be voted according to the instructions indicated in the proxy.&#160;&#160;If you return a proxy without giving voting instructions, your shares will be voted as recommended by Delaware&#8217;s board of directors.&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline"> The Delaware board of directors recommends a vote &#8220;FOR&#8221; each of the proposals.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>If any matters not described in this proxy statement/prospectus are properly presented at the special meeting, the persons named in the proxy card will use their own best judgment to determine how to vote your shares.&#160;&#160;If the special meeting is postponed or adjourned, your Delaware common stock may be voted by the persons named in the proxy card on the new special meeting date as well, unless you have revoked your proxy.&#160;&#160;We do not know of any other matters to be presented at the special meeting.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">You may revoke your proxy at any time before the vote is taken at the meeting.&#160;&#160;To revoke your proxy, you must advise the Secretary of Delaware in writing before your shares of Delaware common stock have been voted at the special meeting, deliver a later dated proxy, vote again by telephone or on the internet or vote your shares in person at the special meeting.&#160;&#160;Attendance at the special meeting will not in itself constitute revocation of your proxy.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><a name="118"><!--EFPlaceholder--></a><font style="FONT-WEIGHT: bold; DISPLAY: inline">Solicitation of Proxies</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>The costs and expenses of printing this proxy statement/prospectus will be borne by Norwood, and Delaware will bear all other costs incurred by it in the solicitation of proxies from its shareholders on behalf of its board of directors.&#160;&#160;In addition to solicitation of proxies by mail, Delaware will request that banks, brokers and other record holders send proxies and proxy materials to the beneficial owners of Delaware common stock and secure their voting instructions. Delaware will reimburse the record holders for their reasonable expenses in taking those actions. Delaware has also made arrangements with Morrow &amp; Co., LLC, a proxy solicitation firm, to assist it in soliciting proxies and has agreed to pay them approximately $9,000 plus reasonable expenses for these services including a per call fee for shareholder contacts. Delaware directors, officers and employees, who will not be specially compensated, may solicit proxies from Delaware shareholders, either personally or by telephone, facsimile, letter or other electronic means.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">30</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">THE MERGER AND THE MERGER AGREEMENT</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">The following summary of the merger and merger agreement is qualified by reference to the complete text of the merger agreement.&#160;&#160;A copy of the merger agreement is annexed hereto as Annex A and is incorporated by reference into this proxy statement/prospectus.&#160;&#160;You should read the merger agreement completely and carefully as it, rather than this description, is the legal document that governs the merger. Factual disclosures about Norwood and Delaware contained in this proxy statement/prospectus or in Norwood&#8217;s public reports filed with the SEC may supplement, update or modify the factual disclosures about the companies contained in the merger agreement. The representations, warranties and covenants made in the merger agreement by Delaware and Norwood were qualified and subject to important limitations agreed to by the parties in connection with negotiating the terms of the merger agreement. In particular, in your review of the representations and warranties contained in the merger agreement and described in this summary, it is important to bear in mind that the representations and warranties were negotiated with the principal purposes of establishing the circumstances in which a party to the merger agreement may have the right not to close the merger if the representations and warranties of the other party prove to be untrue due to a change in circumstance or otherwise, and allocating risk between the parties to the merger agreement, rather than establishing matters as facts. The representations and warranties may also be subject to a contractual standard of materiality different from those generally applicable to shareholders and reports and documents filed with the SEC and in some cases were qualified by disclosures that were made by each party to the other, which disclosures were not reflected in the merger agreement. Moreover, information concerning the subject matter of the representations and warranties, which do not purport to be accurate as of the date of this proxy statement/prospectus, may have changed since the date of the merger agreement.<a name="gmnh108"><!--EFPlaceholder--></a></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="toc59913_46"><!--EFPlaceholder--></a>General</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The merger agreement provides for the merger of Delaware with and into Norwood, with Norwood as the surviving entity. &#160;Immediately following the merger, NBDC Bank will merge with and into Wayne Bank, with Wayne Bank as the surviving entity.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><a name="toc59913_47"><!--EFPlaceholder--></a><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Background of the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">For more than 125 years since its organization in 1890, NBDC Bank has operated as an independent community bank serving the people and businesses of Walton, New York and nearby communities.&#160;&#160;Over time, the Bank&#8217;s footprint has expanded as a result of both organic growth and acquisitions, to include six (6) offices in Delaware County and six (6) offices in Sullivan County.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Throughout its history, NBDC Bank has focused on serving its local markets and finding ways to respond to the challenges faced by many community banks.&#160;&#160;In recent years, the challenges of operating as a small community bank have multiplied and the banking industry has undergone significant consolidation.&#160;&#160;Since 1985, the number of FDIC insured banks has declined from over 18,000 to less than 7,000 at the present time.&#160;&#160;Most of this reduction in the total number of banks has come from the ranks of small community banks.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Typically, small community banks do not have significant sources of non-interest income and to earn income must rely upon the spread between what they earn on loans and investments and what they pay for deposits and borrowed funds.&#160;&#160;Small banks are also disproportionately hurt by the increasing costs of compliance with an expanded regulatory burden.&#160;&#160;In addition, small banks generally do not have abundant resources to fund the technology costs that all banks face in making their products both safe and convenient.&#160;&#160;In addition, small banks do not have as large a volume of customers over which to spread such costs.&#160;&#160;Nonetheless, the customers of small community banks expect their bank to provide a broad </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">31</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">array of products, services, and conveniences including technological conveniences and mobile banking services while safeguarding their privacy.&#160;&#160;In this economic environment of prolonged compressed net interest margins and escalating compliance and technology costs, many small banks have concluded that while they are not &#8220;too big to fail&#8221; their size may render them &#8220;too small to succeed&#8221;.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In response to such challenges, the Delaware board of directors has made hard choices, which have included funding appropriate investments in technology and resources while divesting unprofitable business lines, such as its trust business.&#160;&#160;The Delaware board of directors has also evaluated potential opportunities for expanding non-interest income, but, like other small community banks, NBDC Bank is largely dependent upon net interest margin for most of its income.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As part of the Delaware board of directors&#8217; efforts to satisfy its duties to shareholders and provide for the prudent and profitable operation of NBDC Bank, the Delaware board of directors has consulted with outside professionals to explore and evaluate potential strategies to increase both net and non-interest income, diversify to reduce its reliance on net interest income, improve the market performance and liquidity of its stock, and to develop strategies to enhance efficiency and facilitate the growth of the Bank&#8217;s base of earnings assets.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Over the years, the Delaware board of directors has explored the risks and benefits of growing the Bank organically and through acquisition.&#160;&#160;In 2007, NBDC Bank acquired National Bank of Stamford and expanded its franchise to provide a network of six branches serving Delaware County.&#160;&#160;While the acquisition of the National Bank of Stamford added some size and scale, NBDC Bank&#8217;s small size has remained a hindrance to profitability.&#160;&#160;In addition, NBDC Bank&#8217;s ability to grow loans within Delaware County was constrained by the economic climate within Delaware County, which became especially slow during the economic recession which began in 2008.&#160;&#160;Recognizing that growth would be essential if NBDC Bank were to remain independent, the board and management investigated opportunities to purchase loans but was not able to do so on terms it considered to be acceptable.&#160;&#160;Throughout recent years, NBDC Bank battled a weak economy, low interest rates, compressed net interest margins and increased costs relating to compliance and technology.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In its strategic planning initiatives in 2013, the Delaware board of directors discussed the fact that growth was essential in order to enhance profitability and additional capital would be necessary to fund growth and to achieve economies of scale.&#160;&#160;In addition, the Delaware board of directors endeavored to find strategies to limit or control operating expenses and gain efficiencies.&#160;&#160;In addition to engaging in its own strategic planning, the Delaware board of directors met with outside advisors with respect to a variety of strategic issues such as opportunities to acquire assets, branches or other small institutions.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During 2013, NBDC Bank learned of the potential opportunity to acquire six branches in Sullivan County from Bank of America.&#160;&#160;Such strategy offered diversification of risk beyond Delaware County and was considered to represent the best available opportunity for significant growth.&#160;&#160;During 2014, NBDC Bank, in consultation with outside financial and legal advisers, entered into an agreement for the acquisition of the six branch offices, obtained the necessary regulatory approvals and funded the transaction with the proceeds of a $12 million secured loan from another bank.&#160;&#160;In September 2014, NBDC Bank consummated the transaction.&#160;&#160;However, the transaction has been slow to yield the desired benefits, as initial deposit runoff rates were high and loan originations have been slow.&#160;&#160;In addition, the increased technology and other costs associated with operating the expanded branch network are significant and NBDC Bank has yet to fully grow, and may not be able to fully grow, sufficiently to cover the costs associated with such expanded infrastructure.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Since the fourth quarter of 2014 and throughout 2015, the board of directors and management of NBDC Bank became increasingly concerned with respect to the ability of NBDC Bank to originate </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">32</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">sufficient loans and create sufficient efficiencies to support long-term sustainable profitability.&#160;&#160;In 2015, the Delaware board of directors, in recognition of the need to retain additional capital to facilitate essential growth and meet debt service requirements, reduced the cash dividends paid by Delaware on its common stock.&#160;&#160;The shareholder base, some of whom rely to a significant extent upon dividend income, expressed concerns and the board further evaluated potential strategies to raise equity in order to reduce the debt service costs associated with the $12 million borrowing incurred by Delaware to fund the acquisition of the six branches.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In addition, during the current prolonged economic recession, the market price of Delaware&#8217;s thinly traded stock has declined.&#160;&#160;The stock is not actively traded or listed on any exchange and, like the stock of many similarly situated small bank holding companies, trades at lower multiples to book value and earnings than many larger, publicly-traded institutions.&#160;&#160;The limited interest in Delaware&#8217;s stock, which is generally owned by a local, older shareholder base reliant upon dividend income, presented a challenge to expanding the shareholder base and funding future growth.&#160;&#160;In its evaluation, the Delaware board of directors recognized that there was limited interest within the current shareholder base for additional investment in Delaware and that investment outside the current shareholder base would likely involve significant dilution to existing shareholders.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During September and early October of 2015, members of the Delaware board of directors and management interviewed multiple financial advisers to potentially work with the board to develop strategies to address NBDC Bank&#8217;s challenges and provide optimal solutions in the best interests of Delaware shareholders.&#160;&#160;Initially, these efforts focused on potential strategies to raise equity capital, but eventually a broader range of alternatives, including the possible sale or merger of Delaware, were discussed.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Following initial interviews and meetings with various financial advisers, two highly regarded financial adviser firms were invited to meet with the full Delaware board of directors.&#160;&#160;Following presentations from both firms, on October 5, 2015, the Delaware board of directors, with the concurrence of the executive management team, unanimously voted to engage Sandler as its financial adviser.&#160;&#160;Following presentations by Sandler and discussions of potential alternatives, the Delaware board of directors reached the consensus that the most prudent strategy for protecting the best interests of shareholders and other constituencies would be to explore the potential for affiliating with another financial institution with greater capital and other resources.&#160;&#160;At meetings in November of 2015, the Delaware board of directors, with input from Sandler, compiled a list of institutions that were considered to be likely to have potential interest in the geographic market served by NBDC Bank and that were considered to have the resources and ability to consummate a transaction on terms which could be favorable to the shareholders and other constituencies of Delaware and NBDC Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In November of 2015, eighteen institutions were contacted by Sandler and those which expressed interest in a potential affiliation transaction were provided with a non-disclosure agreement.&#160;&#160;Eight of such institutions executed non-disclosure agreements and were provided access to a confidential investment memorandum.&#160;&#160;In December, another institution was contacted and executed the non-disclosure agreement and was then provided a confidential information memorandum.&#160;&#160;The Delaware board of directors was updated by Sandler on the progress of this initiative on a regulator basis throughout November and December, 2015.&#160;&#160;At a Delaware board meeting on December 22, 2015, Sandler provided the board with a detailed presentation and an update with regard to responses of all nineteen institutions with regard to a potential affiliation.&#160;&#160;At that meeting, Sandler reported that four institutions had expressed interest in a potential affiliation with Delaware and fifteen had declined to proceed to further evaluate a potential transaction at that time.&#160;&#160;Of the four institutions expressing interest in Delaware, two provided written letters expressing their interest and two verbally advised Sandler of their potential interest in proceeding, but were not prepared to submit formal letters of interest at that time.&#160;&#160;Sandler </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">33</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">advised the board of the terms of both the written and verbal expressions of interest and the board&#8217;s legal and financial advisers discussed the apparent ability of each of the institutions to consummate a potential affiliation transaction on the terms discussed.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">After comparing each expression of interest and considering the alternatives, including endeavoring to continue to operate independently, the expression of interest by Norwood was considered by the Delaware board of directors to be the most attractive proposal for a variety of reasons.&#160;&#160;The offer represented the highest proposed consideration to be paid to shareholders and involved a mixture of cash and stock with a potential for shareholders to make an election as to the form of consideration they would receive, subject to certain overall limitations.&#160;&#160;Norwood and its subsidiary Wayne Bank were viewed as attractive affiliation partners that shared many values and philosophies with Delaware and NBDC Bank.&#160;&#160;The stock of Norwood, which is publicly traded, was considered to be a potentially attractive investment, particularly in light of the attractive cash dividend paid by Norwood.&#160;&#160;At that board meeting, the Delaware board of directors determined that Norwood and the next two highest bidders should be granted expanded access to a secure data site to provide them with additional information with regard to Delaware and NBDC Bank and that Norwood would be the first institution invited to conduct on-site due diligence.&#160;&#160;The three other expressions of interest were considered to be less attractive with respect to price and other terms than the Norwood expression of interest.&#160;&#160;On-site due diligence by the second and third highest bidder was deferred pending the results of due diligence by Norwood and the lowest of the four bidders was notified that its expression of interest was appreciated but did not warrant further discussion at that time.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">On January 7 through 9, 2016, Norwood conducted on-site due diligence of Delaware and NBDC Bank.&#160;&#160;Following completion of its due diligence, on January 20, 2016, Norwood provided an amended expression of its interest reflecting a price of $16.55 per share, 75% in stock and 25% in cash.&#160;&#160;The revised Norwood offer, while $0.50 per share less than the initial offer of $17.05 reflected in its letter dated December 15, 2015, still represented the highest per share price consideration of any of the offers, written and unwritten, communicated to Delaware or its advisors.&#160;&#160;At a board meeting on January 28, 2016, the Delaware board of directors considered the two offers which represented the two highest expressions of interest communicated to Delaware through its financial adviser, as well as the expressions of interest which proposed a lower price.&#160;&#160;Through negotiations, the revised expression of interest from Norwood was eventually increased to $16.68 with a 75% stock and 25% cash structure.&#160;&#160;The structure was thoroughly discussed, as were issues relating to the continuation of employment for a majority of employees.&#160;&#160;Severance for those employees not being offered position was discussed.&#160;&#160;Norwood agreed to honor the change in control agreements of the management team and agreed to the selection of a current board member within eighteen (18) months of the transaction to join the boards of both Norwood and Wayne Bank.&#160;&#160;At that meeting, the board of directors authorized NBDC Bank management and financial and legal advisers to conduct on-site due diligence of Norwood and Wayne Bank and report back to the board with the expectation that, subject to the positive findings of such due diligence, Delaware and NBDC Bank would negotiate with Norwood and Wayne Bank toward the finalization and execution of a definitive merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Due diligence of Norwood and Wayne Bank was conducted by the first week in February, 2016.&#160;&#160;The financial and legal advisors of Delaware along with members of Delaware&#8217;s executive management team met with representatives of Norwood and Wayne Bank to conduct due diligence of Norwood and Wayne Bank in order to be able to advise the Delaware board of directors concerning the ability of Norwood to consummate the transaction on the terms proposed and the likelihood that Norwood could obtain the necessary regulatory approvals and so that the Delaware board of directors could further evaluate the risks and benefits of an affiliation with Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">34</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based upon such satisfactory due diligence, the legal and financial advisors of Delaware informed the Delaware board of directors that there were no reasons to believe that Norwood could not consummate the transaction on the terms it proposed or that regulatory authorities acting with proper supervision would not be likely to approve the transaction in&#160;&#160;a timely manner.&#160;&#160;The financial advisers of Delaware provided the board of directors with data to evaluate the intrinsic value of the proposed affiliation with Norwood and counsel advised the board of directors with respect to the legal issues involved in such a transaction and the absence of issues likely to raise regulatory concerns.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Delaware board of directors requested management and Delaware&#8217;s financial advisor to advise the board of directors with respect to the reasonable ability of Delaware to provide comparable or superior value to that proposed by the Norwood proposal and to compare the Norwood proposal with the consideration that Delaware might reasonably expect to obtain from other sources in other potential transactions.&#160;&#160;Based upon the analyses provided, the Delaware board of directors concluded that the transaction proposed by Norwood represented attractive consideration to the shareholders of Delaware and to the other constituencies of Delaware and NBDC Bank.&#160;&#160;The board of directors balanced the risks and benefits, solicited the views of management and was unanimous in the view that it would be in the best interests of Delaware and NBDC Bank to proceed to negotiate a definitive agreement with Norwood and Wayne Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Delaware board of directors was advised of the progress of the negotiation process at its meeting on February 22, 2016 and, throughout the negotiation process, two members of the board were actively involved in discussions with the board&#8217;s legal and financial advisers.&#160;&#160;During negotiations, Norwood expressed its intention to employ four members of NBDC Bank&#8217;s executive management team with incentive for them to stay and also added a stay bonus pool to potentially help retain other employees.&#160;&#160;Norwood also agreed to reduce the termination fee and committed to add a Delaware director to the boards of Norwood and Wayne Bank within eighteen months of the merger.&#160;&#160;On March 10, 2016, the Delaware and NBDC boards of directors reviewed the final documents which the Delaware board of directors had previously discussed in draft form during the negotiation process.&#160;&#160;At such meeting, the Delaware and NBDC Bank boards of directors reviewed the provisions of the merger agreement, noted the risks and benefits to the shareholders of Delaware and the employees, customers, communities served by NBDC Bank, as well as other constituencies of Delaware and NBDC Bank.&#160;&#160;Following the receipt of a fairness opinion from Sandler that the merger consideration was fair to the holders of Delaware common stock from a financial standpoint, the Delaware and NBDC Bank boards of directors unanimously determined that the transaction was in the best interest of Delaware, Delaware&#8217;s shareholders and the other constituencies of Delaware and NBDC Bank for reasons including those discussed below, and authorized the execution and delivery of the merger agreement.&#160;&#160;At that time, each of the Delaware directors signed agreements with Norwood indicating that they would support and vote for the transaction.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">On March 10, 2016, following the meetings of the boards of directors and after the close of the regular trading on domestic stock markets, Delaware and NBDC Bank, as well as Norwood and Wayne Bank, entered into the merger agreement and issued a joint press release announcing the proposed transaction.&#160;&#160;Following the issuance of the joint press release, the employees of both institutions were informed of the action taken to authorize the transaction and enter into the definitive merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware&#8217;s Reasons for the Merger and Recommendation of the Delaware Board of Directors</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In reaching its decision to approve the merger agreement and the transactions contemplated by the merger agreement and recommend its approval by Delaware&#8217;s shareholders, the Delaware board of directors consulted with senior management, its financial advisor, Sandler, and its legal counsel, </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">35</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Cranmore, FitzGerald &amp; Meaney, and considered numerous factors, including, principally, the following, which are not presented in order of priority:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">Business and Prospects of Delaware</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the historical financial statements of Delaware and NBDC Bank and certain other internal information, primarily financial in nature, relating to the businesses, earnings and balance sheets of Delaware and NBDC Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the business strategy of Delaware and NBDC Bank and their prospects for the future, including expected financial results, based on discussions with management of Delaware and NBDC Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors discussed the current and prospective interest rate environment and business climate in which Delaware and NBDC Bank operate.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors reviewed the challenges of cost-effectively delivering state-of-the-art banking products and services while shouldering an increased regulatory compliance burden.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the evaluation conducted by the Delaware and NBDC Bank boards of directors of the strategic options believed to be available to Delaware and NBDC Bank and the assessment of the boards that none of those options presented superior opportunities or were likely to create greater value for Delaware shareholders than the prospects presented by the proposed merger with Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors evaluated the risks and prospects of Delaware and NBDC Bank remaining independent, including the challenges associated with continued competition from other financial institutions that could adversely affect their ability to meet growth targets; margin compression due to the continued low interest rate environment; the escalation of compliance costs and expenses related to investments in technology infrastructure and human resources; and the possible impact of these challenges on the value of Delaware common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the risk that Delaware might not be able to meet the debt service obligations or other terms of the loan agreement with the lender of the $12 million secured loan and the potential adverse consequences of a payment or other default on such loan.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the risk that if it operates independently, Delaware might find it necessary to further reduce or eliminate dividends on its common stock in order to meet its debt service obligations and the terms of the loan agreement with the lender on the $12 million secured loan and to maintain prudent capital ratios.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors reviewed the adequacy of Delaware&#8217;s and NBDC Bank&#8217;s capital resources over the next several years and the challenges of maintaining sufficient capital levels to support Delaware&#8217;s and NBDC Bank&#8217;s growth without materially diluting earnings or book value per share, including the possibility that relying exclusively on retained earnings to increase capital could cause NBDC Bank to restrain the loan growth it might otherwise achieve.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the significant regulatory burden on the banking industry, the disproportionate impact of such regulatory burden on small institutions such as </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">36</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and NBDC Bank, and the limited prospects for significant regulatory relief for small institutions.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the possible impact of the business challenges facing Delaware on the value of Delaware common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based on these and other factors, the Delaware board of directors determined that it should seek a sale of Delaware and NBDC Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">Sale Process, Merger Consideration and Other Terms of the Merger Agreement</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the extent and breadth of the sale process conducted by Delaware, with the assistance of Sandler and its legal advisors, in soliciting potential bidders likely to be interested in acquiring Delaware.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors evaluated the level of interest and proposals received from the other potential acquirers compared to the merger consideration offered by Norwood and the apparent ability of each to consummate a transaction, concluding that the proposal from Norwood offered the most benefits to Delaware shareholders, employees and other constituencies.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered that the merger agreement was the product of arms&#8217; length negotiations between representatives of Delaware and representatives of Norwood and determined that the terms of the merger agreement are reasonable and do not contain onerous contingencies, including that the merger agreement allows Delaware to consider unsolicited acquisition proposals under certain circumstances and to potentially terminate the merger agreement in order to accept a superior proposal, and that the termination fee that would be payable to Norwood upon termination of the merger agreement in order to accept a superior proposal would not deter another serious bidder from making a competing acquisition proposal.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the ability of Norwood to pay the merger consideration and to promptly consummate the transactions contemplated by the merger agreement, including the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the likelihood of obtaining the necessary regulatory approvals to complete the merger and the transactions contemplated by the merger agreement in a timely manner without unusual or burdensome conditions.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered that holders of Delaware common stock will have the ability to elect to receive cash, Norwood common stock or a combination of cash and Norwood common stock, subject to the proration and allocation provisions of the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered that it is expected that the holders of Delaware common stock who receive Norwood common stock in exchange for their shares of Delaware common stock in the merger generally will not recognize any gain or loss for federal income tax purposes as a result, except with respect to any cash received instead of fractional shares of Norwood common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the benefits to Delaware&#8217;s shareholders who receive Norwood common stock in exchange for their shares of Delaware common stock in the merger of the greater market capitalization and liquidity of Norwood&#8217;s common stock as compared to Delaware&#8217;s common stock, the stock price history of Norwood common stock and the ability to participate in any future appreciation in the price of Norwood common stock.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">37</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the benefits to Delaware&#8217;s shareholders who receive Norwood common stock in exchange for their shares of Delaware common stock in the merger of the dividend paid by Norwood, currently an annual dividend of $1.24 per Norwood share, which, based upon the exchange ratio, results in a 92.9% increase for Delaware shareholders receiving the merger consideration as Norwood common stock based upon Delaware&#8217;s 2015 dividend of $0.40 per share.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered that the merger consideration of $16.68 per share of Delaware common stock represents approximately 116% of Delaware&#8217;s tangible book value per share as of December 31, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the opinion of Sandler delivered to the Delaware board of directors, dated March 10, 2016, that as of the date of the opinion, and based upon and subject to the factors and assumptions set forth therein, the consideration was fair to holders of Delaware common stock from a financial point of view, and the analysis and presentation of Sandler to the Delaware board of directors in connection with the delivery of the opinion, as more fully described under &#8220;Opinion of Delaware&#8217;s Financial Advisor&#8221; beginning on page ___.&#160;&#160;A copy of Sandler&#8217;s written opinion that was delivered to Delaware&#8217;s board of directors is included as Annex B to this proxy statement/prospectus. <font style="FONT-WEIGHT: bold; DISPLAY: inline">Shareholders are urged to carefully read the opinion of Sandler in its entirety</font>.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered that Norwood has agreed to appoint one of Delaware&#8217;s directors to Norwood&#8217;s and Wayne Bank&#8217;s boards of directors within 18 months of closing, allowing Delaware shareholders to retain a voice in the management oversight of Norwood and Wayne Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the other terms of the merger agreement, including the representations and warranties of the parties and the covenants of the parties and the conditions to closing and termination provisions, which provided adequate assurances as to Norwood&#8217;s obligation and ability to consummate the merger in a timely manner, without any extraordinary conditions.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">Norwood and the Combination of Norwood and Delaware</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the positive results of Delaware&#8217;s and its advisors&#8217; due diligence investigation of Norwood and the reputation, business practices and experience of Norwood and its management.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors evaluated the geographic fit and increased customer convenience of the combined branch networks of NBDC Bank and Wayne Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors reviewed Norwood&#8217;s business, operations, financial condition, asset quality, earnings, stock performance and prospects, taking into account the results of its due diligence review of Norwood, including the most current draft of its Form 10-K for the year ended December 31, 2015, and the publicly available information concerning Norwood set forth in its filings with the Securities and Exchange Commission.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the enhanced prospects of the combined company compared to those that Delaware was likely to achieve on a stand-alone basis, including enhanced revenue, increased market capitalization, a lower cost of capital, a stronger capital position, funding capabilities and liquidity position, cost savings through integration and synergies and, as a result, improved capabilities to cope with potential challenges and risks, and the resultant benefits to holders of </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">38</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware common stock who become holders of Norwood common stock as well as the other constituencies served by Delaware and NBDC Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">Impact on Employees</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors evaluated the anticipated effect of the acquisition on Delaware&#8217;s and NBDC Bank&#8217;s employees, including that Norwood has agreed in the merger agreement to use reasonable efforts to provide employees of NBDC Bank with meaningful career opportunities following the effective time of the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the potential benefits to Delaware employees who continue their employment with Wayne Bank of expanded opportunities for professional growth and career advancement with the larger Wayne Bank and Wayne Bank&#8217;s greater employee benefits, for which Delaware employees will receive credit for service with Delaware for purposes of vesting and determination of eligibility to participate.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the provisions of the merger agreement that provide severance benefits to those NBDC Bank employees who are not offered employment with Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-STYLE: italic; DISPLAY: inline">Impact on Customers and Communities</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the effect on the communities served by Delaware and NBDC Bank.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the &#8220;Satisfactory&#8221; Community Reinvestment Act rating received by NBDC Bank on its most recent examination, and the &#8220;Outstanding&#8221; rating as received by Wayne Bank on its most recent examination.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the commitment of Norwood to serving the greater Delaware and Sullivan County markets as well as proximate areas, and the fact that the customers and communities currently served by NBDC Bank will enjoy the services of a stronger bank with a commitment to community banking principles.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the increased legal lending limit which will be available to borrowers by reason of the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the historical record of Norwood and Wayne Bank in supporting local charities in the communities in which they operate.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Delaware board of directors also discussed the potential risks relating to the merger and the transactions contemplated by the merger agreement, including the following, which the board of directors considered to be outweighed by the potential benefits of the merger and the transactions contemplated by the merger agreement:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors reviewed the challenges associated with seeking the regulatory approvals required to complete the merger in a timely manner.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the potential for diversion of management and employee attention, and for employee attrition, during the period prior to the completion of the merger and the potential effect on Delaware&#8217;s business and relations with customers, service providers and other </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">39</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">stakeholders, which risks would have a significant effect on Delaware if the merger and the transactions contemplated by the merger agreement were not completed.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the requirements contained in the merger agreement that Delaware conduct its business in the ordinary course and the other restrictions on the conduct of Delaware&#8217;s business prior to completion of the merger, which may delay or prevent Delaware from undertaking business opportunities that may arise pending completion of the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors evaluated the risk that the potential benefits and synergies sought in the merger may not be realized or may not be realized within the expected time period, and the risks associated with the integration of Delaware and Norwood, which could affect the business prospects of Norwood following the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered that because 75% of the consideration in the merger is a fixed exchange ratio of shares of Norwood&#8217;s common stock to shares of Delaware common stock, Delaware shareholders who receive Norwood common stock could be adversely affected by a decrease in the trading price of Norwood common stock during the pendency of the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors discussed the fact that certain provisions of the merger agreement prohibit Delaware from soliciting, and limit its ability to respond to, proposals for alternative transactions.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the fact that the merger agreement provides that if the merger agreement is terminated by Norwood or Delaware in certain circumstances, including if, among other things, Delaware accepts an alternative acquisition agreement or consummates an alternative acquisition, Delaware is obligated to pay to Norwood a termination fee of $615,000, which may deter others from proposing an alternative transaction that may be more advantageous to Delaware shareholders.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the requirement that Delaware submit the merger agreement to its shareholders even if its board of directors withdraws or changes its recommendation.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware&#8217;s board of directors considered the fact that the interests of Delaware directors and executive officers with respect to the merger may be different from those of other Delaware shareholders in certain limited circumstances.&#160;&#160;See &#8220;&#8212; Interests of Certain Persons in the Merger&#8221; on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The foregoing discussion of the factors considered by the Delaware and NBDC Bank boards of directors is not intended to be exhaustive, but sets forth the principal factors considered by the Delaware and NBDC Bank boards of directors in approving the merger agreement.&#160;&#160;Based on the factors described above, including the opinion of Sandler referred to above, the Delaware and NBDC Bank boards of directors determined that the merger with Norwood would be advisable and in the best interests of Delaware and NBDC Bank, Delaware shareholders and other constituencies and unanimously approved the merger agreement and the transactions contemplated by the merger agreement.&#160;&#160;The Delaware and NBDC Bank boards of directors also weighed these factors against the potential risks of the merger and the transactions contemplated by the merger agreement, including those discussed in the section of this document titled &#8220;Risks Factors&#8221; beginning on page ___.&#160;&#160;In reaching its determination to approve and recommend the merger agreement and the transactions contemplated by the merger agreement, the Delaware and NBDC Bank boards of directors did not assign any specific or relative weights to any of the factors listed above.&#160;&#160;Rather, the Delaware and NBDC Bank boards of directors made their </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">40</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">recommendations based on the totality of information presented to and investigated by them.&#160;&#160;In considering the factors discussed above, individual directors may have given different weights to different factors.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">It should be noted that this explanation of the reasoning of Delaware&#8217;s board of directors (and some other information presented in this section) is forward-looking in nature and, therefore, should be read in light of the factors discussed under the section of this proxy statement/prospectus entitled &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221; commencing on page&#160;__.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood&#8217;s Reasons for the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 45pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In reaching its determination to approve and adopt the merger agreement, the board of directors of Norwood considered a number of factors, including:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the complementary geographical locations of Delaware&#8217;s branch network, which will augment Norwood&#8217;s operations;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the board&#8217;s understanding of, and the presentations of Norwood&#8217;s management and financial advisor regarding, Delaware&#8217;s business, operations, management, financial condition, asset quality, earnings and prospects;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the board&#8217;s view that the merger is consistent with Norwood&#8217;s expansion strategy and will allow for enhanced opportunities for Norwood&#8217;s new and existing clients and customers;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the results of management&#8217;s due diligence investigation of Delaware and the reputation, business practices and experience of Delaware and its management, including their impression that Delaware is a financially healthy, well-run bank holding company that is deeply committed to its customers, employees, and the communities that it serves;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the fact that the merger is expected to be accretive to earnings per share of Norwood in first full year of operations;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the anticipated operating efficiencies, cost savings and opportunities for revenue enhancements of the combined company following the completion of the merger, and the likelihood that they would be achieved after the merger;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the fact that the merger consideration consists of a mixture of cash and stock in which shareholders would have an election, subject to limitations;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the fact that the per share stock consideration is fixed;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the deal protection provided by the termination fee of $615,000 payable under certain circumstances in the event of the termination of the merger agreement due to a competing offer or certain other reasons;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the intended tax treatment of the merger as a tax-free reorganization; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the likelihood of receiving all of the regulatory approvals required for the merger.</font></div>
</td>
</tr></table>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">41</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based on these reasons, Norwood&#8217;s board of directors unanimously approved the merger agreement and the merger.&#160;&#160;This discussion of the factors considered by Norwood&#8217;s board of directors does not list every factor considered by the board but includes all material factors considered by the board.&#160;&#160;In reaching its determination to approve and adopt the merger agreement, the board did not give relative or specific importance to each of the factors listed above, and individual directors may have given differing importance to different factors.&#160;&#160;Please note that this explanation of the board&#8217;s reasoning and all other information presented in this section is forward-looking in nature and, therefore, should be read in light of the factors discussed under the heading &#8220;Cautionary Statement Regarding Forward-Looking Statements&#8221; beginning on page __.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Opinion of Delaware&#8217;s Financial Advisor</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By letter dated October 14, 2015, Delaware retained Sandler to act as financial advisor to Delaware&#8217;s board of directors in connection with Delaware&#8217;s consideration of its strategic alternatives including a possible business combination.&#160;&#160;Sandler is a nationally recognized investment banking firm whose principal business specialty is financial institutions.&#160;&#160;In the ordinary course of its investment banking business, Sandler is regularly engaged in the valuation of financial institutions and their securities in connection with mergers and acquisitions and other corporate transactions.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler acted as financial advisor in connection with the proposed merger and participated in certain of the negotiations leading to the execution of the merger agreement.&#160;&#160;At the March 10, 2016 meeting at which Delaware&#8217;s board of directors considered and discussed the terms of the merger agreement and the merger, Sandler delivered to Delaware&#8217;s board of directors its written opinion, that, as of such date, the merger consideration was fair to the holders of Delaware common stock from a financial point of view<font style="FONT-WEIGHT: bold; DISPLAY: inline">.&#160;&#160;The full text of Sandler&#8217;s opinion is attached as Annex B to this proxy statement/prospectus.&#160;&#160;The opinion outlines the procedures followed, assumptions made, matters considered and qualifications and limitations on the review undertaken by Sandler in rendering its opinion.&#160;&#160;The description of the opinion set forth below is qualified in its entirety by reference to the full text of the opinion.&#160;&#160;Holders of Delaware&#8217;s common stock are urged to read the entire opinion carefully in connection with their consideration of the proposed merger.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">Sandler&#8217;s opinion speaks only as of the date of the opinion</font> <font style="FONT-WEIGHT: bold; DISPLAY: inline">and was necessarily based on financial, economic, regulatory, market and other conditions as they existed on, and the information made available to Sandler as of, that date.&#160;&#160;Events occurring or information available after that date could materially affect its opinion.&#160;&#160;Sandler has not undertaken to update, revise, reaffirm or withdraw its opinion or otherwise comment upon events occurring after the date of its opinion.&#160;&#160;The opinion was directed to Delaware&#8217;s board of directors in connection with its consideration of the merger and is directed only to the fairness of the merger consideration to the holders of Delaware common stock from a financial point of view.&#160;&#160;It does not address the underlying business decision of Delaware to engage in the merger or any other aspect of the merger and is not a recommendation to any holder of Delaware&#8217;s common stock as to how such shareholder should vote at the special meeting with respect to the merger or any other matter.&#160;&#160;Sandler&#8217;s opinion does not address the underlying business decision of Delaware to engage in the merger or any other aspect of the merger, the relative merits of the merger as compared to any other alternative business strategies that might exist for Delaware or the effect of any other transaction in which Delaware might engage.&#160;&#160;</font>Sandler did not express any opinion as to the fairness of the amount or nature of the compensation to be received in the merger by Delaware&#8217;s officers, directors or employees, or class of such persons, relative to the per share consideration to be received by Delaware&#8217;s shareholders.&#160;&#160;Sandler&#8217;s opinion was approved by Sandler&#8217;s fairness opinion committee.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">42</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;In connection with rendering its opinion, Sandler reviewed and considered, among other things:</font></div>

<div>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">a draft of the merger agreement, dated March 10, 2016;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">certain publicly available financial statements and other historical financial information of Delaware that Sandler deemed relevant;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">certain publicly available financial statements and other historical financial information of Norwood that Sandler deemed relevant;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">internal financial projections for NBDC Bank for the year ending December 31, 2016, as provided by the senior management of Delaware, adjusted to account for certain estimated expenses of Delaware, as discussed with and confirmed by the senior management of Delaware, as well as internal financial projections for Delaware for the years ending December 31, 2017 through December 31, 2020 based upon estimated annual asset, loan and deposit growth rates, estimated annual net income and expenses, and estimated annual tax benefits, each as discussed with and confirmed by the senior management of Delaware;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">internal financial projections for Norwood for the year ending December 31, 2016, as provided by the senior management of Norwood, as well as an estimated asset and net income growth rate for the years thereafter, as discussed with the senior management of Norwood and its representatives;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the pro forma financial impact of the merger on Norwood based on assumptions relating to transaction expenses, purchase accounting adjustments and cost savings, as discussed with and confirmed by the senior management of Norwood and its representatives, as well as an assumption relating to Delaware&#8217;s standalone estimated earnings per share, as provided by the senior management of Norwood and its representatives;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the publicly reported historical price and trading activity for Delaware and Norwood common stock, including a comparison of certain stock market information for Delaware and Norwood common stock and certain stock indices as well as publicly available information for certain other similar companies, the securities of which are publicly traded;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">a comparison of certain financial information for Delaware and Norwood with similar institutions for which information is publicly available;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the financial terms of certain recent business combinations in the bank and thrift industry (on a regional and nationwide basis), to the extent publicly available;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the current market environment generally and in the banking environment in particular; and</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 54pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">such other information, financial studies, analyses and investigations and financial, economic and market criteria as Sandler considered relevant.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler also discussed with certain members of the senior management of Delaware the business, financial condition, results of operations and prospects of Delaware and held similar discussions with the senior management of Norwood regarding the business, financial condition, results of operations and prospects of Norwood.</font></div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">43</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler, in performing its review, has relied upon the accuracy and completeness of all of the financial and other information that was available to and reviewed by Sandler from public sources, that was provided to Sandler by Delaware or Norwood or their respective representatives or that was otherwise reviewed by Sandler and Sandler assumed such accuracy and completeness for purposes of rendering its opinion without any independent verification or investigation.&#160;&#160;Sandler has relied, at the direction of Delaware, without independent verification or investigation, on the assessments of the management of Delaware as to its existing and future relationships with key employees and partners, clients, products and services and has assumed, with Delaware&#8217;s consent, that there would be no developments with respect to any such matters that would affect its analyses or opinion.&#160;&#160;Sandler has further relied on the assurances of the respective managements of Delaware and Norwood that they were not aware of any facts or circumstances that would make any of such information inaccurate or misleading.&#160;&#160;Sandler was not asked to and did not undertake an independent verification of any of such information and did not assume any responsibility or liability for the accuracy or completeness thereof.&#160;&#160;Sandler did not make an independent evaluation or perform an appraisal of the specific assets, the collateral securing assets or the liabilities (contingent or otherwise) of Delaware or Norwood or any of their respective subsidiaries, nor was Sandler furnished with any such evaluations or appraisals.&#160;&#160;Sandler rendered no opinion or evaluation on the collectability of any assets or the future performance of any loans of Delaware or Norwood.&#160;&#160;Sandler did not make an independent evaluation of the adequacy of the allowance for loan losses of Delaware or Norwood, or the combined entity after the merger and has not reviewed any individual credit files relating to Delaware or Norwood.&#160;&#160;Sandler has assumed, with Delaware&#8217;s consent, that the respective allowances for loan losses for both Delaware and Norwood were adequate to cover such losses and would be adequate on a pro forma basis for the combined entity.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In preparing its analyses, Sandler used internal financial projections for NBDC Bank for the year ending December 31, 2016, as provided by the senior management of Delaware, adjusted to account for certain estimated expenses of Delaware, as discussed with and confirmed by the senior management of Delaware, as well as internal financial projections for Delaware for the years ending December 31, 2017 through December 31, 2020 based upon estimated annual asset, loan and deposit growth rates, estimated annual net income and expenses, and estimated annual tax benefits, each as discussed with and confirmed by the senior management of Delaware.&#160;&#160;In addition, in preparing its analyses, Sandler used internal financial projections for Norwood for the year ending December 31, 2016, as provided by the senior management of Norwood, as well as an estimated asset and net income growth rate for the years thereafter, as discussed with the senior management of Norwood and its representatives.&#160;&#160;Sandler also received and used in its pro forma analyses certain assumptions relating to transaction expenses, purchase accounting adjustments and cost savings, as discussed with and confirmed by the senior management of Norwood and its representatives, as well as an assumption relating to Delaware&#8217;s standalone estimated earnings per share, as provided by the senior management of Delaware and its representatives.&#160;&#160;With respect to those projections, estimates and judgments, the respective managements of Delaware and Norwood confirmed to Sandler that those projections, estimates and judgments reflected the best currently available projections, estimates and judgments of those respective managements of the future financial performance of Delaware and Norwood, respectively, and Sandler assumed that such performance would be achieved.&#160;&#160;Sandler expressed no opinion as to such projections, estimates or judgments, or the assumptions on which they were based.&#160;&#160;Sandler also assumed that there has been no material change in Delaware&#8217;s or Norwood&#8217;s assets, financial condition, results of operations, business or prospects since the date of the most recent financial statements made available to Sandler.&#160;&#160;Sandler assumed in all respects material to its analysis that Delaware and Norwood would remain as going concerns for all periods relevant to its analyses.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler also assumed, with Delaware&#8217;s consent, that (i) each of the parties to the merger agreement would comply in all material respects with all material terms and conditions of the merger agreement and all related agreements, that all of the representations and warranties contained in such </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">44</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">agreements were true and correct in all material respects, that the parties to such agreements would perform in all material respects all of the covenants and other obligations required to be performed by such party under such agreements and that the conditions precedent in such agreements were not and would not be waived, (ii) in the course of obtaining the necessary regulatory or third party approvals, consents and releases with respect to the merger, no delay, limitation, restriction or condition would be imposed that would have an adverse effect on Delaware, Norwood or the merger or any related transaction, (iii) the merger and any related transaction would be consummated in accordance with the terms of the merger agreement without any waiver, modification or amendment of any material term, condition or agreement thereof and in compliance with all applicable laws and other requirements, (iv) the merger would be consummated without Delaware&#8217;s rights under Section 10.1(i) of the merger agreement having been triggered, or if such rights have been triggered, Norwood shall have exercised the option referred to in Section 10.1(i) of the merger agreement, and (v) the merger would qualify as a tax-free reorganization for federal income tax purposes.&#160;&#160;Finally, with Delaware&#8217;s consent, Sandler has relied upon the advice that Delaware has received from its legal, accounting and tax advisors as to all legal, accounting and tax matters relating to the merger and the other transactions contemplated by the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler&#8217;s analyses were necessarily based on financial, economic, market and other conditions as in effect on, and the information made available to Sandler as of, the date thereof.&#160;&#160;Events occurring after the date thereof could materially affect Sandler&#8217;s opinion.&#160;&#160;Sandler has not undertaken to update, revise, reaffirm or withdraw its opinion or otherwise comment upon events occurring after the date thereof.&#160;&#160;Sandler expressed no opinion as to the trading values of Delaware common stock or Norwood common stock at any time or what the value of Norwood common stock would be once it is actually received by the holders of Delaware common stock.</font><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In rendering its opinion, Sandler performed a variety of financial analyses.&#160;&#160;The summary below is not a complete description of the analyses underlying Sandler&#8217;s opinion or the presentation made by Sandler to Delaware&#8217;s board of directors, but is a summary of all material analyses performed and presented by Sandler.&#160;&#160;The summary includes information presented in tabular format.&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">In order to fully understand the financial analyses, these tables must be read together with the accompanying text.&#160;&#160;The tables alone do not constitute a complete description of the financial analyses.</font>&#160;&#160;The preparation of a fairness opinion is a complex process involving subjective judgments as to the most appropriate and relevant methods of financial analysis and the application of those methods to the particular circumstances.&#160;&#160;The process, therefore, is not necessarily susceptible to a partial analysis or summary description.&#160;&#160;Sandler believes that its analyses must be considered as a whole and that selecting portions of the factors and analyses to be considered without considering all factors and analyses, or attempting to ascribe relative weights to some or all such factors and analyses, could create an incomplete view of the evaluation process underlying its opinion.&#160;&#160;Also, no company included in Sandler&#8217;s comparative analyses described below is identical to Delaware or Norwood and no transaction is identical to the merger.&#160;&#160;Accordingly, an analysis of comparable companies or transactions involves complex considerations and judgments concerning differences in financial and operating characteristics of the companies and other factors that could affect the public trading values or merger transaction values, as the case may be, of Delaware and Norwood and the companies to which they are being compared.&#160;&#160;In arriving at its opinion, Sandler did not attribute any particular weight to any analysis or factor that it considered.&#160;&#160;Rather, Sandler made qualitative judgments as to the significance and relevance of each analysis and factor.&#160;&#160;Sandler did not form an opinion as to whether any individual analysis or factor (positive or negative) considered in isolation supported or failed to support its opinion; rather, Sandler made its determination as to the fairness of the merger consideration on the basis of its experience and professional judgment after considering the results of all its analyses taken as a whole.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">45</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In performing its analyses, Sandler also made numerous assumptions with respect to industry performance, business and economic conditions and various other matters, many of which cannot be predicted and are beyond the control of Delaware, Norwood and Sandler.&#160;&#160;The analyses performed by Sandler are not necessarily indicative of actual values or future results, both of which may be significantly more or less favorable than suggested by such analyses.&#160;&#160;Sandler prepared its analyses solely for purposes of rendering its opinion and provided such analyses to Delaware&#8217;s board of directors at its March 10, 2016 meeting.&#160;&#160;Estimates on the values of companies do not purport to be appraisals or necessarily reflect the prices at which companies or their securities may actually be sold.&#160;&#160;Such estimates are inherently subject to uncertainty and actual values may be materially different.&#160;&#160;Accordingly, Sandler&#8217;s analyses do not necessarily reflect the value of Delaware&#8217;s common stock or the prices at which Delaware&#8217;s common stock or Norwood&#8217;s common stock may be sold at any time.&#160;&#160;The analyses of Sandler and its opinion were among a number of factors taken into consideration by Delaware&#8217;s board of directors in making its determination to approve the merger agreement and the analyses described below should not be viewed as determinative of the decision of Delaware&#8217;s board of directors or management with respect to the fairness of the merger.&#160;&#160;See &#8220;Delaware&#8217;s Reasons for the Merger and Recommendation of Delaware Board of Directors&#8221; for additional information on the factors Delaware&#8217;s board of directors considered in reaching its decision to approve the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Summary of Proposed Merger Consideration and Implied Transaction Metrics.</font>&#160;&#160;Sandler reviewed the financial terms of the proposed merger.&#160;&#160;As described in the merger agreement, each share of Delaware common stock issued and outstanding immediately prior to the effective time of the merger will be converted into the right to receive, without interest, either (i) 0.6221 shares of Norwood common stock, or (ii) $16.68 in cash.&#160;&#160;The merger agreement provides that shareholders may elect to receive cash consideration for all of their shares of Delaware common stock, Norwood common stock for all of their shares of Delaware common stock or cash for some of their shares of Delaware common stock and Norwood common stock for the remainder of their shares of Delaware common stock.&#160;&#160;The merger agreement provides, generally, that shareholder elections may be adjusted as necessary to result in an overall ratio of 25% of Delaware common stock being converted into the right to receive cash consideration and 75% of Delaware common stock being converted into the right to receive stock consideration.&#160;&#160;Using Norwood&#8217;s 20 day average closing stock price as of March 7, 2016 of $26.81, and based upon 925,499 shares of Delaware common stock outstanding, Sandler calculated an implied transaction price per share of $16.68 and aggregate transaction value of approximately $15.4 million.&#160;&#160;Based upon financial information for Delaware as of or for the twelve months ended December 31, 2015, Sandler calculated the following implied transaction metrics:</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="88%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="MARGIN-LEFT: 45pt; DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction Price / Book Value Per Share:</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">73.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction Price / Tangible Book Value Per Share:</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">116.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction Price / LTM Earnings Per Share<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">1</font>:</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Core Deposit Premium<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">2</font>:</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">
<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">One Day Market Premium<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">3</font>:</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="88%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="32%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 54pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Last Twelve Months (LTM) net income of $591,000 includes an income tax benefit of $565,000.</font></div>
</td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 54pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">2)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Tangible book premium to core deposits calculated as (deal value &#8211; tangible equity) / (core deposits); Core Deposits defined as deposits, less time deposit accounts with balances over $100,000, foreign deposits and unclassified deposits.</font></div>
</td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 54pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">3)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based upon the closing price for a share of Delaware common stock on March 9, 2016.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Stock Trading History.</font><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">&#160;</font>Sandler reviewed the history of the publicly reported trading prices of Delaware&#8217;s common stock and Norwood&#8217;s common stock for the one-year and three-year periods ended </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">46</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">March 9, 2016.&#160;&#160;Sandler then compared the relationship between the movements in the price of Delaware&#8217;s common stock and Norwood&#8217;s common stock, respectively, to movements in their respective peer groups (as described on pages&#160;__&#160;and __) as well as certain stock indices. </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware&#8217;s One-Year Stock Performance</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="25%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Beginning Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2015</font></font></div>
</td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2016</font></font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104.9%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware Peers</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">101.1%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">NASDAQ Bank Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;98.5%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">S&amp;P 500 Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;95.7%</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="3" valign="bottom" width="67%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware&#8217;s Three-Year Stock Performance</font></div>
</td>
</tr><tr>
<td valign="bottom" width="25%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Beginning Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2013</font></font></div>
</td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2016</font></font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;57.2%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware Peers</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;113.1%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">NASDAQ Bank Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;127.2%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">S&amp;P 500 Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;128.2%</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood&#8217;s One-Year Stock Performance</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="25%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Beginning Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2015</font></font></div>
</td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2016</font></font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">89.9%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood Peers</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104.4%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">NASDAQ Bank Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;98.5%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">S&amp;P 500 Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;95.7%</font></div>
</td>
</tr><tr>
<td colspan="3" valign="bottom" width="67%">
<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood&#8217;s Three-Year Stock Performance</font></div>
</td>
</tr><tr>
<td valign="bottom" width="25%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Beginning Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2013</font></font></div>
</td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending Value</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">March 9, 2016</font></font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">94.7%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood Peers</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">118.8%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">NASDAQ Bank Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">127.2%</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">S&amp;P 500 Index</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100%</font></div>
</td>
<td valign="middle" width="21%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">128.2%</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">47</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Comparable Company Analyses.&#160;&#160;</font>Sandler used publicly available information to compare selected financial information for Delaware with a group of financial institutions selected by Sandler.&#160;&#160;The Delaware peer group consisted of banks and thrifts headquartered in New Jersey, New York and Pennsylvania whose securities are publicly traded and with total assets between $350 million and $450 million, excluding announced merger targets (the &#8220;Delaware Peer Group&#8221;).&#160;&#160;The Delaware Peer Group consisted of the following companies:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Allegheny Valley Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mauch Chunk Trust Financial Corp.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Ballston Spa Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mifflinburg Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Catskill Hudson Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">MNB Corporation</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Capital Bank of New Jersey</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">MSB Financial Corp.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Centric Financial Corporation</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Muncy Bank Financial, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Commercial National Financial Corp.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">New Tripoli Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Greater Hudson Bank</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Susquehanna Community Financial, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Hamlin Bank and Trust Company</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Woodlands Financial Services Company</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Kinderhook Bank Corporation</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">York Traditions Bank</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Mars National Bancorp, Inc.</font></div>
</td>
<td valign="top" width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The analysis compared publicly available financial information for Delaware with the corresponding data for the Delaware Peer Group as of or for the twelve months ended December 31, 2015 (unless otherwise noted), with pricing data as of March 9, 2016.&#160;&#160;The table below sets forth the data for Delaware and the median and mean data for the Delaware Peer Group.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="5" valign="bottom" width="75%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Comparable Company Analysis</font></div>
</td>
</tr><tr>
<td valign="bottom" width="24%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="17%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Delaware</font></font></div>
</td>
<td align="right" valign="bottom" width="17%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Peer Group</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Median</font></font></div>
</td>
<td align="right" valign="bottom" width="17%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Peer Group</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Mean</font></font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total assets (in millions)</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$371</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$378</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$389</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tangible common equity/Tangible assets</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.65%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9.89%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.40%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Return on average assets</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.16%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.78%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.82%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Return on avg. equity</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.79%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.50%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.56%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Net interest margin</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.79%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.37%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.41%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Efficiency ratio</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104.4%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">72.4%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">70.4%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Nonperforming assets<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">1</font>/Total assets</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.56%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.20%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.28%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Price/Tangible book value</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">91.4%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">99.4%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">98.7%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Price/LTM Earnings per share</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.5x</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.5x</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.1x</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Current dividend yield</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.1%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.1%</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.4%</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="bottom" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Market value (in millions)</font></div>
</td>
<td align="right" valign="middle" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$12</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$38</font></div>
</td>
<td align="right" valign="middle" width="17%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$42</font></div>
</td>
</tr><tr>
<td valign="bottom" width="24%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="middle" width="17%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="17%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="17%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Nonperforming assets defined as nonaccrual loans and leases, renegotiated loans and leases, and real estate owned.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Note: Financial data for the institutions in the peer group not pro forma for any publicly announced and pending transactions.&#160;&#160;Financial data for Ballston Spa Bancorp, Inc., New Tripoli Bancorp, Inc., Mauch Chunk Trust Financial Corp. and MNB Corporation as of or for the period ending September 30, 2015 and financial data for Catskill Hudson Bancorp, Inc. as of or for the period ending June 30, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">48</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler used publicly available information to perform a similar analysis for Norwood and a group of financial institutions as selected by Sandler.&#160;&#160;The Norwood peer group consisted of banks and thrifts headquartered in the Mid-Atlantic region with total assets between $650 million and $850 million, excluding announced merger targets (the &#8220;Norwood Peer Group&#8221;).&#160;&#160;The Norwood Peer Group consisted of the following companies:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Bancorp of New Jersey, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Malvern Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Berkshire Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Orange County Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Carver Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Royal Bancshares of Pennsylvania, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;CB Financial Services, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Revere Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;DNB Financial Corporation</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Severn Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Embassy Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Solvay Bank Corporation</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Fidelity D&amp;D Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Stewardship Financial Corporation</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Harleysville Savings Financial Corporation</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Sussex Bancorp</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Kish Bancorp, Inc.</font></div>
</td>
<td valign="top" width="33%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The analysis compared publicly available financial information for Norwood with the corresponding data for the Norwood Peer Group as of or for the twelve months ended December 31, 2015 (unless otherwise noted), with pricing data as of March 9, 2016.&#160;&#160;The table below sets forth the data for Norwood and the median and mean data for the Norwood Peer Group.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="12" valign="bottom" width="96%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood Comparable Company Analysis</font></div>
</td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;Norwood</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font>

<div style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood</font></font></div>

<div style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Peer Group&#160;</font></font></div>

<div style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Median</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font> <font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"> <br>
Norwood<br>
Peer Group <br>
Mean&#160;</font></td>
<td nowrap valign="bottom" width="4%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total assets (in millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">751</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">774</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">770</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 7.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tangible common equity/Tangible assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.29</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.67</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Return on average assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.80</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.68</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Return on avg. equity</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.85</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.83</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.43</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Net interest margin</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.21</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">LTM Efficiency ratio</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">53.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">74.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">73.3</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Nonperforming assets<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">1</font>/Total assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.51</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Price/Tangible book value</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">106.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">105.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">105.4</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Price/LTM Earnings per share</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.8</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Current dividend yield</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.8</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Market value (in millions)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">68</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="61%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="8%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Nonperforming assets defined as nonaccrual loans and leases, renegotiated loans and leases, and real estate owned.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Note: Financial data for the institutions in the peer group not pro forma for any publicly announced and pending transactions.&#160;&#160;Financial data for Solvay Bank Corporation and Embassy Bancorp, Inc. as of or for the period ending September 30, 2015 and financial data for Berkshire Bancorp Inc. as of or for the period ending June 30, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Analysis of Selected Merger Transactions</font><font style="FONT-STYLE: italic; DISPLAY: inline">.</font>&#160;&#160;Sandler reviewed a regional and national group of merger and acquisition transactions.&#160;&#160;The regional group consisted of transactions with targets headquartered in New Jersey, New York or Pennsylvania, announced between January 1, 2015 and March </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">49</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">9, 2016, involving banks and thrifts with assets between $100 million and $500 million (the &#8220;Regional Precedent Transactions&#8221;).&#160;&#160;The Regional Precedent Transactions group was composed of the following transactions:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font style="TEXT-DECORATION: underline">Acquiror</font></font></font></div>
</td>
<td valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Target</font></font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Lakeland Bancorp</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Harmony Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;NexTier, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Eureka Financial Corp.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Northfield Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Hopewell Valley Community Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Lakeland Bancorp</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Pascack Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;ESSA Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Eagle National Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Preferred Bank</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">United International Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Citizens Financial Services</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First National Bank of Fredericksburg</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;WSFS Financial Corporation</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Alliance Bancorp of Pennsylvania</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;OceanFirst Financial Corp.</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Colonial American Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Cathay General Bancorp</font></div>
</td>
<td align="left" valign="top" width="33%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Asia Bancshares, Inc.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Using then latest publicly available financial information prior to the announcement of the relevant transaction, Sandler reviewed the following multiples: transaction price to last-twelve-months earnings per share, transaction price to tangible book value per share, tangible book premium to core deposits, and 1-day market premium.&#160;&#160;Sandler compared the indicated transaction metrics for the merger to the median and mean metrics of the Regional Precedent Transactions group.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware /</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Norwood</font></font></div>
</td>
<td align="right" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regional Precedent</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transactions</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Group</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Median</font></font></div>
</td>
<td align="right" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regional Precedent</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transactions</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Group</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Mean</font></font></div>
</td>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction price/LTM earnings per share</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.1x</font></div>
</td>
<td align="right" valign="top" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.0x</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.9x</font></div>
</td>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction price/Tangible book value per share:</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">116.3%</font></div>
</td>
<td align="right" valign="top" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">132.8%</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">133.7%</font></div>
</td>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Core deposit premium<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">1</font>:</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.8%</font></div>
</td>
<td align="right" valign="top" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.8%</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.2%</font></div>
</td>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1-Day market premium:</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.2%</font></div>
</td>
<td align="right" valign="top" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">41.0%</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">48.4%</font></div>
</td>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Tangible book premium to core deposits calculated as (deal value &#8211; tangible equity) / (core deposits); core deposits defined as total deposits, less time deposit accounts with balances over $100,000, foreign deposits and unclassified deposits</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The national group consisted of transactions with U.S. headquartered targets announced between October 31, 2015 and March 9, 2016, involving banks and thrifts with assets between $150 million and $450 million (the &#8220;National Precedent Transactions&#8221;).&#160;&#160;The National Precedent Transactions group was composed of the following transactions:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font style="TEXT-DECORATION: underline">Acquiror</font></font></font></div>
</td>
<td valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Target</font></font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Lakeland Bancorp</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Harmony Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;County Bank Corp.</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Capac Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;State Bank Corp.</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Country Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Citizens Community Bancorp</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Community Bank of Northwestern Wisconsin</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Beneficial State Foundation</font></font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Pan American Bank</font></font></div>
</td>
</tr></table>

<div>&#160;</div>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">50</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;CNB Financial Corp.</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Lake National Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;County Bancshares, Inc.</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">First Live Oak Bancshares, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Bay Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Hopkins Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Pacific Commerce Bancorp</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ProAm&#233;rica Bank</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Charter Financial Corp.</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">CBS Financial Corp.</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;County Bancorp, Inc.</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fox River Valley Bancorp, Inc.</font></div>
</td>
</tr><tr>
<td valign="top" width="34%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Seacoast Banking Corp. of Florida</font></div>
</td>
<td align="left" valign="top" width="39%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Floridian Financial Group, Inc.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Using then latest publicly available financial information prior to the announcement of the relevant transaction, Sandler reviewed the following multiples: transaction price to last-twelve-months earnings per share, transaction price to tangible book value per share, tangible book premium to core deposits, and 1-day market premium.&#160;&#160;Sandler compared the indicated transaction metrics for the merger to the median and mean metrics of the National Precedent Transactions group.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware /</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Norwood</font></font></div>
</td>
<td align="right" valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">National Precedent</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transactions</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Group</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Median</font></font></div>
</td>
<td align="right" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">National Precedent</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transactions</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Group</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Mean</font></font></div>
</td>
<td valign="top" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction price/LTM earnings per share</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.1x</font></div>
</td>
<td align="right" valign="top" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.8x</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.8x</font></div>
</td>
<td valign="top" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction price/Tangible book value per share:</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">116.3%</font></div>
</td>
<td align="right" valign="top" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">124.0%</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">134.2%</font></div>
</td>
<td valign="top" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Core deposit premium<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">1</font>:</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.8%</font></div>
</td>
<td align="right" valign="top" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.6%</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.6%</font></div>
</td>
<td valign="top" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1-Day market premium:</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.2%</font></div>
</td>
<td align="right" valign="top" width="14%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">69.4%</font></div>
</td>
<td align="right" valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">62.4%</font></div>
</td>
<td valign="top" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Tangible book premium to core deposits calculated as (deal value &#8211; tangible equity) / (core deposits); core deposits defined as total deposits, less time deposit accounts with balances over $100,000, foreign deposits and unclassified deposits</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Net Present Value Analyses.</font>&#160;&#160;Sandler performed an analysis that estimated the net present value per share of Delaware common stock assuming Delaware performed in accordance with internal financial projections for NBDC Bank for the year ending December 31, 2016, as provided by the senior management of Delaware, adjusted to account for certain estimated expenses of Delaware, as discussed with and confirmed by the senior management of Delaware, as well as internal financial projections for Delaware for the years ending December 31, 2017 through December 31, 2020 based upon estimated annual asset, loan and deposit growth rates, estimated annual net income and expenses, and estimated annual tax benefits, each as discussed with and confirmed by the senior management of Delaware.&#160;&#160;As discussed with the senior management of Delaware, the analysis assumed that no dividends are paid to shareholders based on the covenants of the outstanding term loan of Community Bank N.A. and Delaware&#8217;s internal projected cash flow.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To approximate the terminal value of a share of Delaware common stock at December 31, 2020, Sandler applied price to 2020 earnings multiples ranging from 8.0x to 18.0x and multiples of December 31, 2020 tangible book value ranging from 80% to 130%.&#160;&#160;The terminal values were then discounted to present values using different discount rates ranging from 10.0% to 15.0%, chosen to reflect different assumptions regarding required rates of return of holders or prospective buyers of Delaware common stock.&#160;&#160;As illustrated in the following tables, the analysis indicates an imputed range of values per share of Delaware common stock of $2.83 to $7.94 when applying multiples of earnings and $7.19 to $14.58 when applying multiples of tangible book value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">51</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Earnings Per Share Multiples</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Discount <font style="DISPLAY: inline">Rate</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">8.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">10.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">12.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">14.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">16.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">18.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.53</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.06</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.06</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.03</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.84</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.09</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.86</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.95</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.83</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.53</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.95</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.36</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: center; DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Tangible Book Value Multiples</font></font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Discount <font style="DISPLAY: inline">Rate</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">80</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">90</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">100</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">110</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">120</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">130</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.98</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.34</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.58</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.58</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.72</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.80</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.87</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.28</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.85</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.83</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9.81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.79</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.77</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.51</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9.38</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.32</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.08</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.98</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9.88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler also considered and discussed with the Delaware board of directors how this analysis would be affected by changes in the underlying assumptions, including variations with respect to net income.&#160;&#160;To illustrate this impact, Sandler performed a similar analysis assuming Delaware&#8217;s net income varied from 25% above estimates to 25% below estimates.&#160;&#160;This analysis resulted in the following range of per share values for Delaware common stock, applying the price to 2020 earnings multiples range of 8.0x to 18.0x referred to above and a discount rate of 13.94%.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Earnings Per Share Multiples</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Annual Budget <font style="DISPLAY: inline">Variance</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">8.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">10.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">12.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">14.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">16.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">18.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(25.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(20.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.96</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.74</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.03</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(5.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.92</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.96</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.92</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.96</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler also performed an analysis that estimated the net present value per share of Norwood common stock assuming that Norwood performed in accordance with its internal budget for the year ending December 31, 2016, as provided by the senior management of Norwood, as well as an estimated asset and net income growth rate for the years thereafter, as discussed with and confirmed by the senior management of Norwood and its representatives.&#160;&#160;The analysis also assumes the regular cash dividend of $1.24 per annum.&#160;&#160;To approximate the terminal value of Norwood common stock at December 31, 2020, Sandler applied price to 2020 earnings multiples ranging from 8.0x to 18.0x and multiples of December </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">52</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">31, 2020 tangible book value ranging from 80% to 130%.&#160;&#160;The terminal values were then discounted to present values using different discount rates ranging from 10.0% to 15.0%, chosen to reflect different assumptions regarding required rates of return of holders or prospective buyers of Norwood&#8217;s common stock.&#160;&#160;As illustrated in the following tables, the analysis indicates an imputed range of values per share of Norwood common stock of $14.63 to $34.13 when applying earnings multiples and $15.92 to $28.58 when applying multiples of tangible book value.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Earnings Per Share Multiples</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Discount Rate</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;10.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;12.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;14.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.05</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.32</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30.86</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">34.13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.08</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29.59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">32.71</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.38</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31.36</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.79</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.51</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30.09</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.93</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.87</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.87</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.72</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Tangible Book Value Multiples</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Discount <font style="DISPLAY: inline">Rate</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">80</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">90</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">100</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">110</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">120</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">130</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.07</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.74</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.58</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.38</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.90</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.58</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.93</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.61</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.29</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.02</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.63</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.08</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.62</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.92</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.86</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.28</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler also considered and discussed with the Delaware board of directors how this analysis would be affected by changes in the underlying assumptions, including variations with respect to net income.&#160;&#160;To illustrate this impact, Sandler performed a similar analysis assuming Norwood&#8217;s net income varied from 25% above estimates to 25% below estimates.&#160;&#160;This analysis resulted in the following range of per share values for Norwood common stock, applying the price to 2020 earnings multiples range of 8.0x to 18.0x referred to above and a discount rate of 13.9%.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Earnings Per Share Multiples</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Annual Budget <font style="DISPLAY: inline">Variance</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">8.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">10.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">12.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">14.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">16.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">18.0</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">x</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(25.0</font> </td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12.49</font> </td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.55</font> </td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.60</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.72</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.77</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(20.0&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.04</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.23&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;&#160;&#160;&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;&#160;&#160;&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.62</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.01</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13.59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.92</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.58</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(5.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.29</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.71</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.72</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.54</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30.18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.88</font> </td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.03</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.34</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29.49</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">32.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;&#160;&#160;&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20.72</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.01</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30.59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;&#160;&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">33.88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.83</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31.69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">35.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">53</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In connection with its analyses, Sandler considered and discussed with the Delaware board of directors how the present value analyses would be affected by changes in the underlying assumptions.&#160;&#160;Sandler noted that the net present value analysis is a widely used valuation methodology, but the results of such methodology are highly dependent upon the numerous assumptions that must be made and the results thereof are not necessarily indicative of actual values or future results.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Pro Forma Merger Analysis.</font>&#160;&#160;Sandler analyzed certain potential pro forma effects of the merger, based on the following assumptions: (i) the merger closes in the third calendar quarter of 2016; (ii) 75% of the outstanding shares of Delaware common stock are converted into Norwood&#8217;s common stock at the fixed exchange ratio of 0.6221 shares of Norwood common stock per share of Delaware common stock and 25% of the outstanding shares of Delaware common stock are converted into the right to receive a $16.68 per share cash payment; and (iii) Norwood&#8217;s 20-day average closing stock price as of March 7, 2016 of $26.81.&#160;&#160;Sandler also incorporated the following assumptions, as provided by Norwood&#8217;s senior management and its representatives: (a) estimated standalone earnings for Delaware; (b) estimated earnings projections for Norwood; (c) purchase accounting adjustments consisting of (i) a credit mark on loans, (ii) an interest rate mark on loans, (iii) an interest rate mark on held-to-maturity securities, (iv) an interest rate mark on time deposit, and (v) core deposit intangibles; (d) estimated annual cost savings;&#160;&#160;(e) estimated, pre-tax, one-time transaction costs; and (f) an annual pre-tax opportunity cost of cash.&#160;&#160;The analysis indicated that the merger could be accretive to Norwood&#8217;s estimated earnings per share in 2017 (excluding transaction expenses) and dilutive to estimated tangible book value per share at close.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In connection with this analyses, Sandler considered and discussed with the Delaware board of directors how the analysis would be affected by changes in the underlying assumptions, including the impact of final purchase accounting adjustments determined at the closing of the transaction, and noted that the actual results achieved by the combined company may vary from projected results and the variations may be material.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Sandler&#8217;s Relationship.&#160;&#160;</font>Sandler is acting as financial advisor to Delaware&#8217;s board of directors in connection with the merger and will receive a transaction fee of $325,000, a substantial portion of which is contingent upon closing of the merger.&#160;&#160;Sandler received a fee in an amount equal to $150,000 upon rendering its fairness opinion, which will be credited in full towards the transaction fee that will become due and payable to Sandler on the day of closing of the merger.&#160;&#160;Delaware has also agreed to reimburse Sandler for its reasonable out-of-pocket expenses incurred in connection with its engagement and to indemnify Sandler and its affiliates and their respective partners, directors, officers, employees and agents against certain expenses and liabilities, including liabilities under applicable federal or state law.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In the two years preceding the date of its opinion, Sandler did not provide any investment banking services or receive any compensation for such services from Delaware or Norwood.&#160;&#160;In the ordinary course of its business as a broker-dealer, Sandler may purchase securities from or sell securities to Delaware, Norwood or their respective affiliates.&#160;&#160;Sandler may also actively trade the securities of Delaware or Norwood for its own account and for the accounts of its customers and, accordingly, may at any time hold a long or short position in such securities.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Consideration to be Received in the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood will pay cash for a number of shares equal to approximately 25% of the Delaware common stock outstanding immediately prior to the effective time of the merger and will issue shares of Norwood common stock for the remaining 75% of such shares. Under the terms of the merger agreement, Delaware shareholders (other than dissenting shareholders) will be given the opportunity to elect for each outstanding share of Delaware common stock they own to receive:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">54</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">$16.68 in cash, without interest, which we refer to as &#8220;cash consideration&#8221;;&#160;</font></div>
</td>
</tr></table>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">0.6221 of a&#160;share of Norwood common stock, which we refer to as &#8220;stock consideration&#8221;;&#160;or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">with respect to certain Delaware shares owned by such shareholder, the cash consideration, and with respect to all other Delaware shares so owned, the stock consideration,</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">in each case, subject to the adjustment, election and allocation procedures specified in the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No fractional shares of Norwood common stock will be issued in connection with the merger.&#160;&#160;Instead, Norwood will make a cash payment to each Delaware shareholder who would otherwise receive a fractional share.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The per share cash consideration of $16.68 is fixed. The 0.6221 exchange ratio for the stock consideration is fixed, subject to certain customary anti-dilution adjustments and a potential adjustment at Norwood&#8217;s option in certain circumstances involving a decline in Norwood&#8217;s stock price as described under &#8220;&#8212; Terminating the Merger Agreement&#8221; beginning on page&#160;__. The per share value of the stock consideration, based upon Norwood&#8217;s closing stock price on ___________ __, 2016, the most recent practicable trading day before this proxy statement/prospectus was finalized, was $_____ per share.<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;The market value of the stock consideration will fluctuate with the price of Norwood common stock.&#160;&#160;At the time of completion of the merger, the market value of the stock consideration could be greater or less than the value of the cash consideration due to fluctuations in the market price of Norwood common stock.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under the terms of the merger agreement, the aggregate consideration payable to Delaware shareholders in the merger as of March 10, 2016 (based on an assumed price of $26.35 per share of Norwood common stock)&#160;was allocated approximately 25% in cash and 75% in Norwood common stock. The number of shares of Delaware common stock to be converted into cash must equal 25% of the outstanding shares of Delaware common stock. Any dissenting shares count towards this amount.&#160;&#160;Assuming there are no dissenting shares, approximately 231,375 shares of Delaware common stock will be exchanged for the cash consideration.&#160;&#160;We call this number the cash consideration pool.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The allocation procedures in the merger agreement are intended to provide for an approximate 25% stock and 75% cash allocation among all outstanding Delaware shares. Norwood common stock will be issued to Delaware shareholders who make cash elections if the cash consideration pool is oversubscribed, so that the aggregate number of shares of Delaware common stock that will be exchanged for cash consideration in the merger shall not exceed the cash consideration limit, and cash will be paid to Delaware shareholders who make stock elections if the cash consideration pool is undersubscribed, so that the aggregate number of shares of Delaware common stock that will be exchanged for cash consideration in the merger equals 25% of the outstanding shares of Delaware common stock. See &#8220;&#8212; Allocation Procedures&#8221; below. The allocation of the mix of consideration payable to Delaware shareholders in the merger will not be known until Norwood tallies the results of the cash/stock elections made by Delaware shareholders, which will not occur until near or after the closing of the merger.</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">No guarantee can be made that Delaware shareholders will receive the amounts of cash or stock they elect. As a result of the allocation procedures and other limitations outlined in this proxy statement/prospectus and in the merger agreement, Delaware shareholders may receive Norwood common stock or cash in amounts that vary from the amounts they elect to receive.</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">55</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware is not making any recommendation as to whether Delaware shareholders should elect to receive cash, Norwood common stock or cash for some shares and stock for the remainder in the merger.&#160;&#160;Each Delaware shareholder must make his or her own decision with respect to such election.<a name="gmnh111"><!--EFPlaceholder--></a></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Election Procedures; Surrender of Stock Certificates</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">An election form and other customary transmittal materials, with instructions for their completion, are being mailed separately to all holders of record of Delaware common stock as of the record date for the special meeting. The election form and transmittal materials will allow record holders to elect to receive cash, Norwood common stock, or cash for some shares and Norwood common stock for the remainder, or make no election with respect to the merger consideration such shareholders wish to receive.&#160;&#160;We refer to the shares with respect to which a valid cash consideration election is made as &#8220;cash election shares,&#8221; the shares with respect to which a valid stock consideration election is made as &#8220;stock election shares,&#8221; and the shares with respect to which no election is made as &#8220;non-election shares.&#8221;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To make an effective election, a record shareholder must submit a properly completed election form and transmittal materials along with stock certificates for which an election is made to the exchange agent by the election deadline, which shall be on or before 5:00&#160;p.m., Eastern Time, on the date specified in the election form. An election is properly made only if the exchange agent actually receives a properly completed election form by the election deadline. An election form shall be deemed properly completed only if accompanied by one or more stock certificates (or customary affidavits and indemnification regarding the loss or destruction of such certificates or the guaranteed delivery of such certificates) representing all shares of Delaware common stock covered by such election form, together with the duly executed transmittal materials included with the election form.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If you own shares of Delaware common stock in &#8220;street name&#8221; through a broker or other financial institution, you should receive or seek instructions from the institution holding your shares concerning how to make your election. Any instructions must be given to your broker or other financial institution sufficiently in advance of the election deadline for record holders in order to allow your broker or other financial institution sufficient time to cause the record holder of your shares to make an election as described above.&#160;&#160;&#8220;Street name&#8221; holders may be subject to an election deadline earlier than the deadline applicable to holders of shares in registered form. Therefore, you should carefully read any materials you receive from your broker. If you instruct a broker to submit an election for your shares, you must follow such broker&#8217;s directions for revoking or changing those instructions.</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If a Delaware shareholder either (i)&#160;does not submit a properly completed election form on or before the election deadline or (ii)&#160;revokes its election form prior to the election deadline (without later submitting a properly completed election form prior to the election deadline), the shares of Delaware common stock held by such shareholder shall be designated as non-election shares and will be converted into the right to receive the stock consideration or the cash consideration according to the allocation procedures specified in the merger agreement and summarized below. Any election form may be revoked or changed by the person submitting such election form to the exchange agent by written notice to the exchange agent only if such notice of revocation or change is actually received by the exchange agent at or prior to the election deadline.&#160;&#160;Stock certificates relating to any revoked election form will be promptly returned without charge.&#160;&#160;The exchange agent will have discretion to determine when any election, modification or revocation is received and whether any such election, modification or revocation has been properly made.&#160;&#160;All elections (whether cash, stock or mixed) will be revoked automatically if the merger agreement is terminated.<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;Delaware shareholders are urged to carefully read and follow the </font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">56</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">instructions for completion of the election form and to submit the form along with the stock certificate(s) in advance of the election deadline.</font><a name="gmnh112"><!--EFPlaceholder--></a></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Allocation Procedures</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The aggregate amount of cash and Norwood common stock that will be paid is subject to the allocation procedures described in detail below. Pursuant to such allocation procedures, if the number of cash election shares (together with any dissenting shares) would exceed 25% of the outstanding Delaware shares, a pro rata portion of those shares will be converted into the right to receive Norwood common stock in order to provide for the required cash/stock allocation among all outstanding Delaware shares. Similarly, if the number of cash election shares (together with any dissenting shares) is less than 25% of the outstanding Delaware shares, all or a pro rata portion of the non-election shares and, if necessary, a pro rata portion of the stock election shares will be converted into the right to receive the cash consideration.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>If the number of cash election shares (together with any dissenting shares) is less than 25% of the outstanding Delaware shares, then:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All cash election shares will be converted into the right to receive the cash consideration.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Non-election shares will be deemed to be cash election shares to the extent necessary to have the total number of cash election shares (together with dissenting shares) equal 25% of the outstanding Delaware shares.&#160;&#160;If less than all of the non-election shares need to be treated as cash election shares, then a sufficient number of non-election shares will be deemed cash election shares on a pro rata basis such that the cash election shares plus the deemed cash election shares equal 25% of the outstanding Delaware shares.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If all of the non-election shares are treated as cash election shares and the total number of cash election shares (together with dissenting shares) is still less than 25% of the outstanding Delaware shares, a pro rata portion of each shareholder&#8217;s stock election shares will be converted into cash election shares so that the total number of cash election shares (together with dissenting shares) equals 25% of the outstanding Delaware shares and the remaining stock election shares will be converted into the right to receive the stock consideration.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>If the number of cash election shares (together with any dissenting shares) is greater than 25% of the outstanding Delaware shares, then:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All stock election shares and all non-election shares will be converted into the right to receive the stock consideration.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A pro rata portion of each shareholder&#8217;s cash election shares will be converted into stock election shares so that the remaining number of cash election shares (together with any dissenting shares) equals 25% of the outstanding Delaware shares, the converted stock election shares will be converted into the right to receive the stock consideration, and the remaining cash election shares will be converted in the right to receive the cash consideration.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>If the number of cash election shares equals 25% of the outstanding Delaware shares, then all cash election shares will be converted into the right to receive the cash consideration and all stock election shares and non-election shares will be converted into the right to the stock consideration.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">57</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="gmnh113"><!--EFPlaceholder--></a>Exchange Procedures</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">An election form and transmittal materials will be mailed under separate cover to Delaware shareholders who hold shares of Delaware common stock in registered form.&#160;&#160;If you wish to make an election with respect to any of your shares, you must submit an election form and transmittal materials and the certificates which represent your election shares to the exchange agent prior to the election deadline.<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;Do not submit your stock certificates with your proxy card.&#160;&#160;You should only submit your stock certificates which represent your election shares when you have received and properly completed the election form and transmittal materials.</font>&#160;&#160;&#160;See &#8220;&#8212; Election Procedures; Surrender of Stock Certificates&#8221; beginning on page&#160;__ of this proxy statement/prospectus.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Exchange Agent.</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>&#160;On the business day prior to the effective time of the merger, Norwood will deposit with the exchange agent (1)&#160;cash in an amount sufficient to allow the exchange agent to make cash consideration payments under the terms of the merger agreement and (2)&#160;certificates (or evidence of shares in book entry form) representing shares of Norwood common stock, which we refer to as the &#8220;new certificates,&#8221; each to be given to the holders of Delaware common stock in exchange for old certificates representing shares of Delaware common stock. Any such cash or new certificates remaining in the possession of the exchange agent six months after the effective time will be delivered to Norwood. Any holder of old certificates who has not exchanged his, her or its old certificates by that time will be entitled to look exclusively to Norwood, and only as a general creditor, for the consideration to which he, she or it may be entitled upon exchange of such old certificates.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Exchange Procedures.</font>&#160;&#160;As promptly as practicable after the effective time of the merger, the exchange agent will mail a form of letter of transmittal to each person who was, immediately prior to the effective time, a holder of record of Delaware common stock and who has either (i)&#160;not submitted their properly completed election form on or before the election deadline or (ii)&#160;revoked their election form prior to the election deadline (without later submitting a properly completed election form prior to the election deadline). The letter of transmittal will contain instructions for use in effecting the surrender of old certificates (to the extent such old certificates have not been surrendered together with the election forms) in exchange for the consideration to which such person may be entitled pursuant to the merger agreement, and will specify that delivery shall be effected, and risk of loss and title to the old certificates shall pass, only upon proper delivery of such certificates to the exchange agent. As soon as practicable after due surrender to the exchange agent of an old certificate for cancellation (to the extent such old certificates have not been surrendered together with the election forms) together with such letter of transmittal duly executed and completed, the holder of such old certificate will be provided a new certificate and a check in the amount to which such holder is entitled pursuant to the merger agreement, and the old certificate shall be canceled. Any amounts required to be deducted and withheld under state, local or foreign tax laws will be deducted and withheld from the consideration otherwise payable under the merger agreement.</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Until you surrender your Delaware stock certificates for exchange, you will accrue, but will not be paid, any dividends or other distributions declared after the effective time of the merger with respect to Norwood common stock into which any of your shares may have been converted. When you surrender your Delaware stock certificates, to the extent you receive shares of Norwood common stock in exchange, Norwood will pay any unpaid dividends or other distributions, without interest. After the completion of the merger, there will be no transfers on the stock transfer books of Delaware of any shares of Delaware common stock.</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If a certificate for Delaware common stock has been lost, stolen or destroyed, the exchange agent will issue the consideration properly payable under the merger agreement upon receipt of appropriate </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">58</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">evidence as to that loss, theft or destruction, appropriate evidence as to the ownership of that certificate by the claimant, and appropriate and customary indemnification. The posting of a bond in a reasonable amount may also be required.<a name="gmnh114"><!--EFPlaceholder--></a></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="toc59913_53"><!--EFPlaceholder--></a><a name="toc59913_54"><!--EFPlaceholder--></a><a name="toc59913_55"><!--EFPlaceholder--></a>Accounting Treatment</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood will account for the merger under the acquisition method of accounting in accordance with accounting principles generally accepted in the United States.&#160;&#160;Using the acquisition method of accounting, the assets and liabilities of Delaware will be recorded by Norwood at their respective fair values at the time of the completion of the merger.&#160;&#160;The excess of Norwood&#8217;s purchase price over the net fair value of the assets acquired and liabilities assumed will then be allocated to identified intangible assets, with any remaining unallocated cost recorded as goodwill.&#160;&#160;The value of the shares exchanged will be valued at the acquisition date and all merger-related costs will be expensed when incurred.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Material United States Federal Income Tax Consequences of the Merger</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><a name="toc59913_57"><!--EFPlaceholder--></a><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This section describes the anticipated material United States federal income tax consequences of the merger to certain U.S.&#160;holders of Delaware common stock who exchange shares of Delaware common stock for shares of Norwood common stock, cash, or a combination of shares of Norwood common stock and cash pursuant to the merger.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">For purposes of this discussion, a U.S.&#160;holder is a beneficial owner of Delaware common stock who for United States federal income tax purposes is:</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">a citizen or individual resident of the United States;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">a corporation, or an entity treated as a corporation, created or organized in or under the laws of the United States or any State or the District of Columbia;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">a trust that (1)&#160;is subject to (A)&#160;the primary supervision of a court within the United States and (B)&#160;the authority of one or more United States persons to control all substantial decisions of the trust or (2)&#160;has a valid election in effect under applicable Treasury Regulations to be treated as a United States person;&#160;or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">an estate that is subject to United States federal income tax on its income regardless of its source.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If a partnership (including for this purpose, any entity treated as a partnership for United States federal income tax purposes) holds Delaware common stock, the tax treatment of a partner generally will depend on the status of the partner and the activities of the partnership.&#160;&#160;If you are a partner of a partnership holding Delaware common stock, you should consult your tax advisor.&#160;</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This discussion addresses only those Delaware shareholders that hold their Delaware common stock as a capital asset within the meaning of Section&#160;1221 of the Internal Revenue Code, and does not address all the United States federal income tax consequences that may be relevant to particular Delaware shareholders in light of their individual circumstances or to Delaware shareholders that are subject to special rules, such as:</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">financial institutions; &#160;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">investors in pass-through entities;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">59</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">insurance companies;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">tax-exempt organizations;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">dealers in securities;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">traders in securities that elect to use a mark to market method of accounting;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">persons who exercise dissenters&#8217; rights;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">persons that hold Delaware common stock as part of a straddle, hedge, constructive sale or conversion transaction;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">certain expatriates or persons that have a functional currency other than the U.S.&#160;dollar;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">persons who are not U.S.&#160;holders;&#160;and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">shareholders who acquired their shares of Delaware common stock through the exercise of an employee stock option or otherwise as compensation or through a tax-qualified retirement plan.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In addition, the discussion does not address any alternative minimum tax or any state, local or foreign tax consequences of the merger, nor does it address any tax consequences arising under the unearned income Medicare contribution tax pursuant to the Health Care and Education Reconciliation Act of 2010.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following discussion is based on the Internal Revenue Code, its legislative history, existing and proposed regulations thereunder and published rulings and decisions, all as currently in effect as of the date hereof, and all of which are subject to change, possibly with retroactive effect. Any such change could affect the continuing validity of this discussion.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Delaware have structured the merger to qualify as a reorganization within the meaning of Section&#160;368(a) of the Internal Revenue Code. The obligation of Norwood to complete the merger is conditioned upon the receipt of an opinion from Jones Walker LLP, Washington D.C., counsel to Norwood, to the effect that the merger will for federal income tax purposes qualify as a reorganization based upon customary representations made by Norwood and Delaware.&#160;&#160;The obligation of Delaware to complete the merger is conditioned upon the receipt of an opinion from Cranmore, FitzGerald &amp; Meaney, counsel to Delaware, to the effect that the merger will for federal income tax purposes qualify as a reorganization based upon customary representations made by Norwood and Delaware.&#160;&#160;Neither of these opinions is binding on the Internal Revenue Service or the courts.&#160;&#160;Norwood and Delaware have not requested and do not intend to request any ruling from the Internal Revenue Service as to the United States federal income tax consequences of the merger.&#160;&#160;Accordingly, each shareholder of Delaware common stock should consult its tax advisor with respect to the particular tax consequences of the merger to such holder. In addition, because a Delaware shareholder may receive a mix of cash and stock despite having made a cash election or stock election, it will not be possible for holders of Delaware common stock to determine the specific tax consequences of the merger to them at the time of making the election.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">60</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Tax Consequences of the Merger Generally to Holders of Delaware Common Stock.</font>&#160;&#160;If the merger is treated as a reorganization within the meaning of Section&#160;368(a) of the Internal Revenue Code, the tax consequences are as follows:</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">gain or loss will be recognized by those holders receiving solely cash for Delaware common stock pursuant to the merger equal to the difference between the amount of cash received by a holder of Delaware common stock and such holder&#8217;s cost basis in such holder&#8217;s shares of Delaware common stock; &#160;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">no gain or loss will be recognized by those holders receiving solely shares of Norwood common stock in exchange for shares of Delaware common stock pursuant to the merger (except with respect to any cash received instead of fractional share interests in Norwood common stock, as discussed in the section entitled &#8220;&#8212; Cash Received Instead of a Fractional Share of Norwood Common Stock&#8221; on page&#160;[__]);</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">gain (but not loss) will be recognized by those holders who receive shares of Norwood common stock and cash in exchange for shares of Delaware common stock pursuant to the merger, in an amount equal to the lesser of (1)&#160;the amount by which the sum of the fair market value of the Norwood common stock and cash received by a holder of Delaware common stock exceeds such holder&#8217;s cost basis in its Delaware common stock, and (2)&#160;the amount of cash received by such holder of Delaware common stock (except with respect to any cash received instead of fractional share interests in Norwood common stock, as discussed in the section entitled &#8220;&#8212; Cash Received Instead of a Fractional Share of Norwood Common Stock&#8221; on page [___]);</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">the aggregate basis of the Norwood common stock received in the merger will be the same as the aggregate basis of the Delaware common stock for which it is exchanged, decreased by the amount of cash received in the merger (except with respect to any cash received instead of fractional share interests in Norwood common stock), decreased by any basis attributable to fractional share interests in Norwood common stock for which cash is received, and increased by the amount of gain recognized on the exchange (regardless of whether such gain is classified as capital gain, or as ordinary dividend income, as discussed in the section entitled &#8220;&#8212; Recharacterization as a Dividend&#8221; on page&#160;[__], but excluding any gain or loss recognized with respect to fractional share interests in Norwood common stock for which cash is received);&#160;and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: symbol, serif; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#183;</font></div>
</td>
<td valign="top" width="66%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">the holding period of Norwood common stock received in exchange for shares of Delaware common stock will include the holding period of the Delaware common stock for which it is exchanged.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If holders of Delaware common stock acquired different blocks of Delaware common stock at different times or at different prices, any gain or loss will be determined separately with respect to each block of Delaware common stock and such holders&#8217; basis and holding period in their shares of Norwood common stock may be determined with reference to each block of Delaware common stock.&#160;&#160;Any such holders should consult their tax advisors regarding the manner in which cash and Norwood common stock received in the exchange should be allocated among different blocks of Delaware common stock and with respect to identifying the bases or holding periods of the particular shares of Norwood common stock received in the merger.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Taxation of Capital Gain.</font>&#160;&#160;Except as described in the section entitled &#8220;&#8212; Recharacterization as a Dividend&#8221; below, gain that holders of Delaware common stock recognize in connection with the merger </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">61</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">generally will constitute capital gain and will constitute long-term capital gain if such holders have held (or are treated as having held) their Delaware common stock for more than one year as of the date of the merger. Long-term capital gain of non-corporate holders of Delaware common stock is generally taxed at preferential rates.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Recharacterization as a Dividend.</font>&#160;&#160;All or part of the gain that a particular holder of Delaware common stock recognizes (or all or part of the cash received by a holder of Delaware common stock, if such holder receives only cash pursuant to the merger) could be treated as dividend income rather than capital gain if (1)&#160;such holder is a significant shareholder of Norwood or (2)&#160;such holder&#8217;s percentage ownership, taking into account constructive ownership rules, in Norwood after the merger is not meaningfully reduced from what its percentage ownership would have been if it had received solely shares of Norwood stock rather than cash or a combination of cash and shares of Norwood stock in the merger. This recharacterization as dividend income could happen, for example, because of ownership of additional shares of Norwood stock by such holder of Delaware common stock, ownership of shares of Norwood stock by a person related to such holder or a share repurchase by Norwood from other holders of Norwood stock. The Internal Revenue Service has indicated in rulings that any reduction in the interest of a minority shareholder that owns a small number of shares in a publicly and widely held corporation and that exercises no control over corporate affairs would not result in dividend treatment. Under the constructive ownership rules, a shareholder may be deemed to own stock that is owned by others, such as a family member, trust, corporation or other entity. For an individual who receives dividend income in taxable years beginning before January&#160;1, 2013 that constitutes qualified dividend income, the dividend income may be subject to reduced rates of taxation if such individual meets certain holding period requirements. Because the possibility of dividend treatment depends primarily upon each holder&#8217;s particular circumstances, including the application of the constructive ownership rules, holders of Delaware common stock should consult their tax advisors regarding the application of the foregoing rules to their particular circumstances.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Cash Received Instead of a Fractional Share of Norwood Common Stock.</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>&#160;A holder of Delaware common stock who receives cash instead of a fractional share of Norwood common stock will generally be treated as having received the fractional share pursuant to the merger and then as having exchanged the fractional share for cash in a redemption by Norwood.&#160;&#160;As a result, a holder of Delaware common stock will generally recognize gain or loss equal to the difference between the amount of cash received and the basis in his or her fractional share interest as set forth above.&#160;&#160;Except as described in the section entitled &#8220;&#8212; Recharacterization as a Dividend&#8221; above, this gain or loss will generally be a capital gain or loss, and will be a long-term capital gain or loss if, as of the effective date of the merger, the holding period for such shares is greater than one year. The deductibility of capital losses is subject to limitations.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Backup Withholding and Information Reporting.</font>&#160;&#160;Payments of cash to a holder of Delaware common stock may, under certain circumstances, be subject to information reporting and backup withholding (currently at a rate of 28%), unless the holder provides proof of an applicable exemption satisfactory to Norwood and the exchange agent, or furnishes its taxpayer identification number and otherwise complies with all applicable requirements of the backup withholding rules. Any amounts withheld from payments to a holder under the backup withholding rules are not additional tax and will be allowed as a refund or credit against the holder&#8217;s United States federal income tax liability, provided the required information is furnished to the Internal Revenue Service.</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">The preceding discussion is intended only as a summary of material United States federal income tax consequences of the merger. It is not a complete analysis or discussion of all potential tax effects that may be important to you, and it does not address tax consequences that may vary with, or are contingent on, individual circumstances.&#160;&#160;Further, it does not address any non-income </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">62</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">tax or any foreign, state or local tax consequences of the merger. Thus, you are strongly encouraged to consult your tax advisor as to the specific tax consequences resulting from the merger, including tax return reporting requirements, the applicability and effect of federal, state, local, and other tax laws and the effect of any proposed changes in the tax laws.</font></div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="toc59913_56"><!--EFPlaceholder--></a>Regulatory Matters Relating to the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Consummation of the merger and the bank merger are subject to receipt of certain regulatory approvals.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">FDIC</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.&#160;&#160;</font>Norwood intends to acquire Delaware by way of a merger, whereby Delaware will merge with and into Norwood, with Norwood as the surviving company, and by merging NBDC Bank with Wayne Bank.&#160;&#160;The merger of NBDC Bank with and into Wayne Bank is subject to the prior approval of the FDIC under the Bank Merger Act.&#160;&#160;Wayne Bank and NBDC Bank have filed an application with the FDIC to obtain prior approval of the merger of NBDC Bank with and into Wayne Bank.&#160;&#160;In reviewing applications, the FDIC considers:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the effect of the transaction upon competition;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the financial and managerial resources and future prospects of the merging and resulting institutions;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the capital levels of the surviving institution;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the performance of the applicants in helping to meet the credit needs of the relevant communities, including low- and moderate-income neighborhoods; and</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the convenience and needs of the community to be served.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The FDIC will not approve a transaction:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">that would result in a monopoly or would be in furtherance of any combination, conspiracy or attempt to monopolize the business of banking in any part of the United States; or</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">whose effect in any section of the United States may be to substantially lessen competition, or tend to create a monopoly, or which in any other manner would be in restraint of trade, unless the probable effects of the transaction in meeting the convenience and needs of the community clearly outweigh the anti-competitive effects of the transaction.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Any transaction approved by the FDIC may not be completed until 30 days after the FDIC approval, during which time the U.S. Department of Justice may challenge such transaction on antitrust grounds.&#160;&#160;With the approval of the FDIC and the U.S. Department of Justice, the waiting period may be reduced to 15 days.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Federal Reserve Bank of Philadelphia.</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font> Norwood is a bank holding company whose primary federal regulator is the FRB.&#160;&#160;Because the merger involves an acquisition by a bank holding company, the transaction is also subject to the approval of the Federal Reserve Bank of Philadelphia unless the FRB </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">63</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">grants a waiver of its bank holding company application requirements in accordance with applicable regulations.&#160;&#160;We have requested such a waiver from the FRB.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Pennsylvania Department of Banking and Securities.</font>&#160;The merger of NBDC Bank with and into Wayne Bank is also subject to the prior approval of the Department under the Pennsylvania Banking Code of 1965. Wayne Bank has filed an application for approval of the bank merger with the Department and the application is currently pending. In determining whether to approve the application for the merger of NBDC Bank with and into Wayne Bank, the Department will consider, among other factors, whether the bank merger would be consistent with adequate or sound banking and would not result in concentration of assets beyond limits consistent with effective competition. The Department will also consider the public interest and the needs and convenience of the area primarily to be served by Wayne Bank after the bank merger. Further, it is the policy of the Department to ensure the safe and sound conduct of banking organizations and to maintain public confidence in the business of banking and protect the public interest and the interests of depositors, creditors, and stockholders. These factors will be considered by the Department in connection with Wayne Bank&#8217;s application.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Status of Applications and Notices</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">. </font>Norwood and Delaware have filed all required applications with applicable regulatory authorities in connection with the merger of Delaware with Norwood and the bank merger.&#160;&#160;There can be no assurance that all requisite approvals will be obtained, that such approvals will be received on a timely basis or that such approvals will not impose any term, condition or restriction which either party reasonably determines in good faith would materially or adversely affect the economic or business benefits of the merger to such party, as to render inadvisable in its reasonable good faith judgment the consummation of the merger.&#160;&#160;If any such term, condition or restriction is imposed, either Norwood or Delaware may elect not to consummate the merger. See &#8220;&#8212; Conditions to Completing the Merger&#8221; on page __.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The approval of any application merely implies the satisfaction of regulatory criteria for approval, which does not include review of the acquisition from the standpoint of the adequacy of the merger consideration to be received by Delaware shareholders.&#160;&#160;Furthermore, regulatory approvals do not constitute an endorsement or recommendation of the acquisition.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Interests of Certain Persons in the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Share Ownership.&#160; </font>On the record date for the special meeting, all persons who served as a director or executive officer of Delaware beneficially owned, in the aggregate, 30,555 shares of Delaware common stock representing approximately 3.3% of the outstanding shares of Delaware common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As described below, certain of Delaware&#8217;s officers and directors have interests in the merger that are in addition to, or different from, the interests of Delaware&#8217;s shareholders generally.&#160;&#160;Delaware&#8217;s board of directors was aware of these interests and took them into account when approving the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Employment Agreement</font><font style="FONT-STYLE: italic; DISPLAY: inline">.</font> Delaware has an existing employment agreement with President and Chief Executive Officer James S. Stracuzzi.&#160;&#160;This employment agreement requires Delaware to make payments and/or provide benefits to Mr. Stracuzzi upon a termination of his employment and, in certain circumstances, upon a termination of employment in connection with, or following, a change in control of Delaware.&#160;&#160;The completion of the merger will constitute a change in control for purposes of Delaware&#8217;s employment agreement with Mr. Stracuzzi.&#160;&#160;The employment agreement provides that Mr. Stracuzzi is entitled to change in control compensation if a change in control has occurred and his employment is terminated within two years following the change in control due to: (i) the executive&#8217;s dismissal; or (ii) the executive&#8217;s voluntary resignation following any material reduction in his duties, responsibilities, title or employment status, material reduction in base salary or benefits; or relocation of his principal place of </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">64</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">employment by more than 50 miles from its location immediately prior to the change in control, a liquidation of NBDC Bank, a material breach of the employment agreement or its non-renewal.&#160;&#160;The executive would not be entitled to change in control compensation if his termination is because of his death, disability, retirement or for cause.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Norwood has entered into a settlement agreement with Mr. Stracuzzi in light of his expected termination of employment following the merger.&#160;&#160;Consistent with the terms described above, Norwood has agreed that Mr. Stracuzzi will be entitled to receive a cash payment equal to $300,000.&#160;&#160;In addition, Norwood will also be obligated to continue and/or pay for Mr. Stracuzzi&#8217;s life, medical and dental coverage for three years.&#160;&#160;Such severance payment to Mr. Stracuzzi will be reduced in the event that any portion of such payments are determined to exceed the maximum payments which may be tax deductible in accordance with Section 280G of the Internal Revenue Code.&#160;&#160;Mr. Stracuzzi will be subject to a three-year non-compete and non-solicitation limitation following such termination and receipt of severance pay.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160; Executive Change in Control Agreements.</font>&#160;&#160;Delaware and NBDC Bank have existing executive change in control agreements with Senior Vice Presidents Dawnette M. Hotaling, Laura E. Vail and Darlene B. Mirrer and Comptroller/Treasurer Amanda L. Hall (the &#8220;Executives&#8221;).&#160;&#160;The executive change in control agreements each provide that in the event the Executives are terminated or reassigned within 12 months of a change in control of Delaware or NBDC Bank (other than for cause or because of death, disability, retirement or removal by bank regulators), they will be entitled to a payment equal to the most recent aggregate base salary paid to the Executive in the 12-month period immediately preceding the change in control.&#160;&#160;In addition, the executive change in control agreements require Delaware, NBDC Bank and their successors to maintain for the benefit of the Executives for one year following a change in control all life insurance, medical, health and accident and disability policies, plans, programs or arrangements which were in effect immediately prior to the change in control or to provide comparable coverages at a rate not greater than 1.5 times the group premium rate payable prior to the change in control.&#160;&#160;For purposes of the agreements, a reassignment is a material reduction in base salary or in the Executives&#8217; authority, duties, responsibilities or benefits, or change in title inconsistent with that of a senior executive officer of a bank, the involuntary relocation to an office greater than 50 miles from Walton, New York or any action which results in a significant worsening of the Executives&#8217; working conditions.&#160;&#160;The merger will constitute a change in control of Delaware and NBDC Bank for purposes of the executive change in control agreements.&#160;&#160;Assuming a merger effective date of June 30, 2016 and their termination or reassignment within 12 months of the merger, Mss. Hotaling, Vail, Mirrer and Hall would be entitled to payments of approximately $85,750, $99,290, $85,050 and $63,000, respectively, under the executive change in control agreements.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Supplemental Executive Retirement Agreements.</font>&#160;&#160;NBDC Bank has entered into supplemental executive retirement agreements (&#8220;SERPs&#8221;) with Senior Vice Presidents Dawnette M. Hotaling, Laura E. Vail and Darlene B. Mirrer which provide for an annual retirement benefit equal to 20% of the average of their highest three years&#8217; base salaries upon their separation of service at normal retirement age.&#160;&#160;A separation of service will occur whenever the level of bona fide services to be performed by the executives will permanently decrease to no more than 20% of the average level of services performed during the preceding 36 months.&#160;&#160;In the event of a change in control, Mss. Hotaling, Vail and Mirrer will be entitled to a lump sum payment equal to the amount accrued by NBDC Bank to fund the future benefit expense associated with the SERP.&#160;&#160;The merger will constitute a change in control of NBDC Bank for purposes of the SERPs.&#160;&#160;Upon the merger, Mss. Hotaling, Vail and Mirrer will be entitled to payments of $32,873, $74,721, and $43,258, respectively, under the SERPs.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Retention Bonus Plan.</font>&#160;&#160;Norwood has agreed to establish a retention bonus plan for Senior Vice Presidents Dawnette M. Hotaling, Laura E. Vail and Darlene B. Mirrer and Comptroller/Treasurer Amanda L. Hall pursuant they would each be entitled to a retention bonus equal to 25% of their current </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">65</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">salaries if they remain employed with Wayne Bank for at least 12 months following the merger.&#160;&#160;If the employment of any of the executives is terminated by Wayne Bank during the 12 months following the merger, they will be entitled to the severance payments provided for in their Executive Change in Control Agreements described above but will not be entitled to a retention bonus payment.&#160;&#160;An executive who receives a retention bonus payment will not be entitled to receive a severance payment.&#160;&#160;If Mss. Hotaling, Vail, Mirrer and Hall remain employed with Wayne Bank for at least 12 months following the merger, they will be entitled to receive retention bonuses of approximately $21,750, $25,135, $21,575 and $15,750, respectively, under the retention bonus plan.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Appointment of Delaware Director to the Norwood Financial Board of Directors</font><font style="FONT-STYLE: italic; DISPLAY: inline">. </font>Within 18 months of completion of the merger, Norwood will invite one current member of the Delaware board of directors to serve on the boards of directors of Norwood and Wayne Bank following completion of the merger.&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Continued Director and Officer Liability Coverage</font><font style="FONT-STYLE: italic; DISPLAY: inline">.</font> For a period of six years following the effective time of the merger, Norwood has agreed to indemnify and hold harmless the directors and officers of Delaware against all liability arising out of actions or omissions occurring at or before the effective time of the merger to the same extent as Delaware currently provides for indemnification of its officers and directors. For a period of six years following the effective time of the merger, Norwood has also agreed to maintain in effect Delaware&#8217;s directors&#8217; and officers&#8217; liability insurance coverage or provide a policy with comparable coverage; provided, however, if the cost that is necessary to maintain or procure such insurance coverage exceeds $60,000, Norwood will obtain the most advantageous coverage obtainable for a premium equal to such amount.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Payments to Delaware Directors for On-going Cooperation. </font><font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>All individuals serving on the board of directors of Delaware shall be entitled to receive, after the effective time of the merger, a retainer in the amount of $1,000 per month for an 18-month period in exchange for their participation in a New York Regional Advisory Board and their efforts in promoting the combined entity after the effective time of the merger.&#160;&#160;Such cooperation includes their agreement not to serve as an employee, an officer, a director, a consultant, an agent, partner, an advisory director, a founder or a shareholder or other equity holder in a corporation or other entity or in any other capacity with any business organization that is doing business or intends to do business in the state of New York in the counties of Delaware or Sullivan or in the Commonwealth of Pennsylvania in the county of Wayne and that is engaged or intends to engage in the provision of financial services to the public, including, but not limited to, accepting retail or commercial deposit accounts, making loans or offering trust services, commercial banking, mortgage banking, or lease financing, by business entities, including but not necessarily limited to commercial banks, savings associations, trust companies, credit unions and parent companies and subsidiary companies of such business entities.&#160;&#160;In addition, such individuals agreed not to recruit any Norwood employees or solicit any customers of Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Other Benefits.&#160;&#160;</font>Upon a change in control, Senior Vice Presidents Dawnette M. Hotaling, Laura E. Vail and Darlene B. Mirrer and directors Meg Hungerford and Joel M. Smith will become vested in long-term care benefits for life under existing insurance policies for their benefit.&#160;&#160;Director Kathleen Suozzo is vested in such benefit, which will not be affected by the change in control.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Upon a change in control, Senior Vice President Darlene B. Mirrer will become vested in an individual term life policy with a death benefit of $251,400.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Upon a change in control, Senior Vice Presidents Dawnette M. Hotaling and Laura E. Vail will become vested in a split dollar life insurance plan funded by bank-owned life insurance with a death benefit of $253,500 and $294,120, respectively.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">66</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Directors Kathleen Suozzo and Michael P. DeGroat are fully vested in the Director Fee Deferral Plan, which benefits will not be affected by the change in control.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Directors Michael P. DeGroat, Douglas W. Sluiter and Leonard A. Govern are fully vested in the Director Fee Continuation Plan, which benefits will not be affected by the change in control.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><a name="toc59913_57a"><!--EFPlaceholder--></a><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Employee Matters</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Nothing in the merger agreement shall be construed as constituting an employment agreement between Norwood, Wayne Bank or any of their affiliates and any officer or employee of Delaware or any of its subsidiaries or an obligation on the part of Norwood, Wayne Bank or any of their affiliates to employ any such officers or employees.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In the event that Norwood terminates any of Delaware&#8217;s health and welfare benefit plans, programs, insurance and other policies, all employees of Delaware or any of its subsidiaries who continue employment with Norwood or any subsidiary of Norwood following the effective time of the merger will become eligible to participate in Norwood&#8217;s or Wayne Bank&#8217;s medical, dental, health and disability plans without any gap or interruption in coverage.&#160;&#160;With respect to each Norwood health plan, Norwood and Wayne Bank shall cause each such plan to (1)&#160;waive any waiting period limitation or evidence of insurability requirement under said plans to the extent such limitations have been satisfied under the Delaware health plan, and (2) waive any pre-existing condition limitations under such plans to the extent such conditions for such participant are covered under the applicable Delaware health plan.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Any employee of Delaware (other than those employees who are a party to an employment, a change in control or other type of agreement with Delaware which provides for severance) whose employment is terminated by Delaware, Norwood or Wayne Bank, absent termination for cause, within 12 months of the effective date of the merger, shall receive severance benefits equal to two weeks of base pay for each completed year of service with a minimum benefit of four weeks&#8217; pay and a maximum benefit of 26 weeks of base pay.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">At the effective date of the merger, Norwood will establish a retention bonus pool of up to $50,000 for NBDC Bank employees not covered by the retention bonus plan described above.&#160;&#160;The retention bonus pool will be administered by Norwood in consultation with a designated representative of Delaware.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="toc59913_60"><!--EFPlaceholder--></a><a name="toc59913_61"><!--EFPlaceholder--></a><a name="toc59913_62"><!--EFPlaceholder--></a>Time of Completion</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Unless the parties agree otherwise and unless the merger agreement has otherwise been terminated, the closing of the merger will take place on the 10th business day following the later of (1)&#160;the effective date (including the expiration of any applicable waiting period) of the last required regulatory approval, and (2) the date on which the shareholders of Delaware approve the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Delaware are working to complete the merger quickly. &#160;It is currently expected that the merger will be completed in the third calendar quarter of 2016.&#160; However, because completion of the merger is subject to regulatory approvals and other conditions, the parties cannot be certain of the actual timing.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><a name="toc59913_63"><!--EFPlaceholder--></a><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Conditions to Completing the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood&#8217;s and Delaware&#8217;s obligations to consummate the merger are conditioned on the following:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">67</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">approval of the merger agreement by the requisite vote of Delaware&#8217;s shareholders;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">receipt of all required regulatory approvals, the expiration of all statutory waiting periods and the satisfaction of all conditions to the consummation of the merger set forth in the regulatory approvals;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">there shall be no pending causes of action, investigations or proceedings (1)&#160;challenging the validity or legality of the merger agreement or the consummation of the merger, or (2)&#160;seeking damages in connection with the merger, or (3)&#160;seeking to restrain or invalidate the merger; unless actual or threatened causes of action, investigations or proceedings would not have a material adverse effect with respect to the interests of Norwood or Delaware, as the case may be;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">no judgment, order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraints or prohibition preventing the completion of the merger shall be in effect;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">no statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by a regulatory authority that prohibits, restrains, or makes illegal the consummation of the merger;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood&#8217;s registration statement of which this proxy statement/prospectus is a part being effective;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the shares of Norwood common stock having been approved for listing on the NASDAQ, subject to official notice of issuance;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Delaware shall have received opinions from their respective legal counsel to the effect that the merger qualifies as a tax-free reorganization within the meaning of Section 368(a) of the Internal Revenue Code; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the other party having performed in all material respects its obligations under the merger agreement, the other party&#8217;s representations and warranties being true and correct as of the effective date of the merger and receipt of a certificate signed by the other party&#8217;s chief executive officer to that effect.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood&#8217;s&#160; obligations to consummate the merger are also conditioned on the following:</font></div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">there shall have been no determination by Norwood that any fact, event, or condition exists or has occurred that would have a material adverse effect on Delaware or the consummation of the&#160;&#160;transactions contemplated by the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">receipt by Delaware of all consents and approvals from third parties (other than those required from regulatory authorities) required to complete the merger, unless, in the opinion of Norwood, failure to obtain those consents or approvals would not have a material adverse effect on the merger or Norwood after completion of the merger;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">there shall be no action taken by an regulatory authority, or any statute, rule, regulation or order enacted, which, in connection with approval of the merger, imposes, in the </font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">68</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">there shall be no action taken by an regulatory authority, or any statute, rule, regulation or order enacted, which, in connection with approval of the merger, imposes, in the judgment of Norwood, any material adverse requirement upon Norwood or any Norwood subsidiary, including, without limitation, any requirement that Norwood sell or dispose of any significant amount of assets of Delaware, or any other Norwood subsidiary;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shall have delivered a certificate to Norwood that, other than as set forth in the certificate, Delaware is not aware of any pending or threatened claim under the directors and officers insurance policy or the fidelity bond coverage of Delaware; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the holders of no more than 12% of the issued and outstanding shares of Delaware common stock shall have exercised dissenters&#8217; rights.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware&#8217;s obligations to consummate the merger are also conditioned upon the delivery by Norwood to the exchange agent of the exchange fund.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Although we anticipate that the closing will occur during the third calendar quarter of 2016, because the satisfaction of certain of these conditions is beyond our control, we cannot be certain when, or if, the conditions to the merger will be satisfied or waived or whether or not the merger will be completed.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Conduct of Business Before the Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware has agreed that, until completion of the merger, it and its subsidiaries will:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">General Business</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">conduct its business in the usual, regular and ordinary course consistent with past practice and prudent banking principles;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">use its best efforts to maintain and preserve intact its business organization, employees, goodwill with customers and advantageous business relationships and retain the services of its officers and key employees; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">except as required by law or regulation, take no action which would adversely affect or delay the ability of the Norwood and Delaware to obtain any consent from any regulatory authority or other approvals required for the consummation of the transactions contemplated by the merger agreement or to perform its covenants and agreements under the merger agreement.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware has agreed that, until completion of the merger, unless required by law or permitted by Norwood or as previously disclosed to Norwood, neither it nor its subsidiaries will:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Indebtedness</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">incur any material liabilities or material obligations (other than deposit liabilities and short-term borrowings from the FHLB of New York in the ordinary course of business), whether directly or by way of guaranty, including any obligation for borrowed money, or whether evidenced by any note, bond, debenture, or similar instrument;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">69</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Capital Stock</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">change the number of shares of its authorized, issued or outstanding capital stock, including any issuance, purchase, redemption, split, combination or reclassification thereof;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">issue or grant any option, warrant, call, commitment, subscription, right or agreement to purchase relating to its authorized or issued capital stock;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">declare, set aside or pay any dividend or other distribution with respect to the outstanding capital stock of Delaware except that subject to compliance with applicable laws and contractual covenants, Delaware may declare a dividend immediately prior to the Effective Time provided that the amount of such dividend may not exceed the lesser of (i) Delaware&#8217;s net income for the calendar year through the month-end prior to closing (exclusive of certain merger-related expenses) or (ii) $200,000;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Acquisitions and Dispositions</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">sell, transfer, convey or otherwise dispose of any real property (including &#8220;other real estate owned&#8221;) or interest therein;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">purchase or otherwise acquire or sell or otherwise dispose of, any assets or incur any liabilities otherwise than in the ordinary course of business;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">merge or consolidate NBDC Bank with any other corporation; sell or lease all or any substantial portion of the assets or business of NBDC Bank;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Investments</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">acquire or agree to acquire 5%&#160;or more of the assets or equity securities of any person or business or acquire direct or indirect control of any person or business (except for foreclosures in the ordinary course of business and after consultation with Norwood);</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">enter into any futures contract, option, interest rate caps, interest rate floors, interest rate exchange agreement or other agreement, or take any other action for purposes of hedging the exposure of its interest-earning assets and interest-bearing liabilities to changes in market rates of interest;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">purchase or sell or otherwise acquire any investment securities other than those issued by the U.S. Treasury with a maximum remaining maturity of two years or less;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Contracts</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">enter into or extend any agreement, lease or license relating to real property (other than capital expenditures permitted under the merger agreement), personal property, data processing or bankcard functions that involves an aggregate of $10,000 or more;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">waive, release, grant or transfer any material rights of value or modify or change in any material respect any existing agreement or indebtedness to which it is a party, other than in the ordinary course of business consistent with past practice;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">70</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Loans</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">originate, purchase, extend or grant any loan in the principal amount in excess of $100,000 if such loan is not fully secured or $400,000 if such loan is fully secured, except for binding obligations as of the date of the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">purchase or sell any participation interest in any loan other than in the ordinary course of business consistent with past practice;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Management and Employee Matters</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">pay bonuses to any employee, officer, director or other person;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">grant any increase in compensation to officers or grant any general increase in compensation to its employees other than normal annual increases not to exceed 3%;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">enter into any new, or amend in any respect any existing, employment, consulting, non-competition or independent contractor agreement with any person;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">alter the terms of any incentive bonus or commission plan;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">appoint any new director to the board of directors of Delaware or NBDC Bank;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">hire or promote any employees;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">adopt any new or materially amend any existing employee benefit plan except as required by law or to renew any existing employee benefit plan on substantially the same terms on its scheduled renewal date;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">except for the execution of the merger agreement and the consummation of the merger, take any action that would give rise to a right of payment to any individual under an employment agreement or an acceleration of the right to payment to any individual under any employee benefit plan;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">terminate any individual that is a party to an employment contract or change in control agreement prior to the effective time of the merger, other than for &#8220;cause&#8221; as defined in the applicable agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">make any written communication to employees of Delaware pertaining to compensation or benefit matters affected by the merger or the transactions contemplated by the merger agreement without first providing Norwood with a copy or description of the intended communication;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Litigation</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">commence any cause of action or proceeding other than in accordance with past practice or settle any action, claim, arbitration, complaint, criminal prosecution, demand letter, governmental or other examination or investigation, hearing, inquiry or other proceeding against it for material money damages or material restrictions upon any of its operations;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">71</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Governing Documents</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">amend its certificate of incorporation or bylaws or other governing documents;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Deposits</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">increase or decrease the rate of interest paid on time deposits or on certificates of deposit, except in a manner and pursuant to policies consistent with Delaware&#8217;s past practices;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Capital Expenditures</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">make any capital expenditures in excess of $10,000 other than expenditures necessary to maintain existing assets in good repair;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Branches</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">file any applications or make any contract with respect to branching by Delaware or acquire or construct, or enter into any agreement to acquire or construct, any interest in real property;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Other Agreements</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">form any new subsidiary;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">enter into, renew, extend or modify any transaction (other than a deposit transaction) with any affiliate other than pursuant to existing policies;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">make any changes to its existing policies regarding credit, loan loss reserves, loan charge-offs, investments, asset/liability management or other banking policies except as required by changes in applicable law or U.S. generally accepted accounting principles;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">take any action that is intended or may reasonably be expected to result in any of the conditions to the merger not being satisfied; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">foreclose upon or take a deed or title to any commercial real estate without first conducting a Phase I environmental assessment of the property or if such assessment indicates the presence of an underground storage tank or hazardous material.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="toc59913_65"><!--EFPlaceholder--></a>Covenants of Delaware and Norwood in the Merger Agreement</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Agreement Not to Solicit Other Proposals</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160; Delaware has agreed that neither it nor its officers, directors, employees and representatives will: (1)&#160;solicit, initiate, encourage or otherwise facilitate any inquiries or the making of any acquisition proposal or offer by a third party; (2)&#160;enter into, continue or otherwise participate in discussions or negotiations regarding, an acquisition proposal; or (3) furnish any non-public information or negotiate or enter into any agreement with respect to an acquisition transaction.&#160; An acquisition transaction includes a proposal for any of the following:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">a merger or consolidation, or any similar transaction of any company with Delaware (other than the merger with Norwood);</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">72</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">a purchase, lease or other acquisition of all or substantially all of the assets of Delaware;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">a purchase or other acquisition of beneficial ownership by any person or group of securities representing 25% or more of the voting power of Delaware; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">a tender or exchange offer to acquire securities representing 25% or more of the voting power of Delaware.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Despite the agreement of Delaware not to solicit other proposals for an acquisition transaction, prior to obtaining shareholder approval of the merger agreement with Norwood, Delaware may negotiate or have discussions with, or provide information to, a third party who makes an unsolicited, written, bona fide proposal for an acquisition transaction not solicited in violation of the merger agreement, provided that Delaware&#8217;s board of directors:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">after consultation with and considering the written advice of its legal counsel and financial advisor, in good faith deems such action to be legally necessary for the proper discharge of its fiduciary duties to Delaware&#8217;s shareholders under applicable law; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">after consultation with its outside legal counsel and its financial advisor, in good faith reasonably determines that the transaction presented by such unsolicited acquisition proposal, taking into account all legal, financial and regulatory aspects of the proposal and the person making the proposal, (1) is more favorable from a financial point of view to the Delaware shareholders than the merger with Norwood (taking into account any changes to the financial terms of the merger agreement proposed by Norwood in response to the other proposal) and (2) is reasonably capable of being completed, taking into account all financial, legal, regulatory and other aspects of such proposal (referred to in this document as a &#8220;superior proposal&#8221;).</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If Delaware receives a proposal or information request from a third party or enters into negotiations with a third party regarding a superior proposal, Delaware must immediately notify Norwood and provide Norwood with information about the third party and its superior proposal and keep Norwood fully informed in all material respects of the status and details of such proposal.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Certain Other Covenants.</font>&#160;&#160;The merger agreement also contains other agreements relating to the conduct of Norwood and Delaware before consummation of the merger, including the following:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware will give Norwood reasonable access during normal business hours to its properties, and shall disclose or make available to Norwood and its representatives all books, papers and records relating to its assets, stock, properties, operations, obligations and liabilities;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">each party shall cause to be prepared and filed all required applications and filings with the regulatory authorities which are necessary or contemplated for obtaining the consents of the regulatory authorities or consummation of the merger;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood was required to prepare the registration statement of which this proxy statement/prospectus forms a part and Delaware agreed to cooperate in its preparation;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">73</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">each party will use its best efforts to take all actions and do all things necessary, proper or advisable under applicable laws and regulations, or otherwise, to consummate the merger and the other transactions contemplated by the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware will make all reasonable efforts to cause its data processing service providers to cooperate with Norwood in connection with the data processing conversion to occur after the effective time of the merger and will permit its employees to be trained on the new system during normal business hours;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware will invite a representative of Norwood to attend all regular and special meetings of Delaware&#8217;s board of directors and committees thereof.&#160;&#160;Delaware may request that the representative of Norwood recuse himself or herself from any meeting (1)&#160;if the merger or any other acquisition transaction is the subject of discussion or (2)&#160;to&#160;preserve attorney-client privilege with respect to any specific matter;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware will take all actions necessary to convene a meeting of its shareholders to vote on the merger agreement to be held no later than 50 days after the registration statement is declared effective;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">each party shall have the right to review any filing made with, or written material submitted to, any government agencies in connection with the transactions contemplated by the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">each party will furnish the other with all information concerning itself, its subsidiaries, directors, trustees, officers, shareholders and depositors, and such other matters as may be necessary or advisable in connection with any statement or application made by or on behalf of either party to any governmental body in connection with the transactions, applications or filings contemplated by the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">each party will promptly furnish the other party with copies of written communications received by them or their respective subsidiaries from any government body in respect of the merger;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and Norwood will consult with one another prior to issuing any press release or other public disclosure related to the merger;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware&#8217;s board of directors will recommend at the meeting of Delaware&#8217;s shareholders that the shareholders vote to approve the merger agreement and will use its reasonable best efforts to solicit shareholder approval;</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood shall establish a retention bonus plan for certain specified employees who will be entitled to a retention bonus of up to 25% of salary if they remain employed with Wayne Bank for at least twelve months after closing; and</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood shall establish a retention bonus pool of up to $50,000 for employees of Delaware and NBDC Bank not covered by the foregoing plan who remain employed at Delaware, Norwood or Wayne Bank after the effective time of the merger.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">74</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Representations and Warranties Made by Delaware and Norwood in the Merger Agreement</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and Norwood have made certain customary representations and warranties to each other in the merger agreement relating to their respective businesses.&#160; For information on these representations and warranties, please refer to the merger agreement attached as Annex A.&#160; The representations and warranties must be true in all material respects through the completion of the merger unless any inaccuracies would not result in a material adverse effect.&#160;&#160;See &#8220;&#8212; Conditions to Completing the Merger&#8221; on page __.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The representations and warranties contained in the merger agreement were made only for purposes of the merger agreement and are made as of specific dates, were solely for the benefit of the parties to the merger agreement, and may be subject to limitations agreed to by the contracting parties, including being qualified by disclosures between the parties.&#160; These representations and warranties may have been made for the purpose of allocating risk between the parties to the merger agreement instead of establishing these matters as facts, and may be subject to standards of materiality applicable to the contracting parties that differ from those applicable to investors as statements of factual information.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><a name="toc59913_67"><!--EFPlaceholder--></a><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Terminating the Merger Agreement</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The merger agreement may be terminated at any time before the effective time of the merger, as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by mutual written consent of Norwood and Delaware;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if the shareholders of Delaware fail to approve the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if a required regulatory approval, consent or waiver is denied;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if the merger is not consummated by December 31, 2016 or other mutually agreed upon later date, unless failure to complete the merger by that time is due to a breach of a representation, warranty or covenant by the party seeking to terminate the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if it is determined that any condition precedent to the obligation of such party to consummate the merger (other than the receipt of regulatory and shareholder approvals) cannot be satisfied by December 31, 2016 provided that the party seeking to terminate is not in breach of any representation or warranty contained in the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by either party, if the other party materially breaches any representation, warranty, covenant or agreement contained in the merger agreement, or in the event of an inaccuracy of any representation or warranty by the other party, in either case that has not been cured within 30 days following written notice to such party;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Norwood, if Delaware fails to hold its shareholder meeting to vote on the merger within the time frame set in the merger agreement;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Norwood, if the board of directors of Delaware does not recommend approval of the merger to the Delaware shareholders or withdraws or revises its recommendation in a manner adverse to Norwood;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">75</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Delaware, if prior the approval of the merger agreement by the shareholders of Delaware, it receives a superior proposal from a third party that, in the good faith determination of Delaware&#8217;s board of directors based upon the advice of legal counsel, the board is required to accept in order to comply with its fiduciary duties and Norwood does not make an offer at least as favorable to Delaware within 5 days after notice; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">by Delaware, at any time during a 5-day period beginning on the date that all required regulatory approvals have been received (the &#8220;Determination Date&#8221;) if <font style="TEXT-DECORATION: underline; DISPLAY: inline">both</font> of the following conditions are satisfied:</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 108pt; TEXT-ALIGN: right">
<div style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">o&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The average of the daily closing sales prices for the Norwood common stock for the 20 consecutive trading days immediately preceding the Determination Date (the &#8220;Norwood Market Value&#8221;) is less than $21.08;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 108pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">o&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The number obtained by dividing the Norwood Market Value by $26.35 is less than the number obtained by dividing the average closing prices of the NASDAQ Bank Index for the 20 consecutive trading days immediately preceding the Determination Date divided by the NASDAQ Index Price on March 7, 2016 minus 0.20;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">unless within five business days of notice of such termination, Norwood notifies Delaware that it will increase the exchange ratio for the stock consideration so that the Norwood Market Value is equal to a dollar amount that is the lesser of $21.08 or the amount obtained by reducing the Initial Norwood Market Value ($26.35) by the percentage change in the NASDAQ Bank Index less 20 percentage points.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 13.2pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware may be required to pay to Norwood a termination fee of $615,000 in certain circumstances described under &#8220;The Merger and the Merger Agreement &#8212; Termination Fee&#8221; beginning on page&#160;__.&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="toc59913_68"><!--EFPlaceholder--></a>Termination Fee</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The merger agreement requires Delaware to pay Norwood a fee of $615,000 if the merger agreement is terminated in certain circumstances.&#160;&#160;Specifically, Delaware must pay the termination fee if Norwood terminates the merger agreement as a result of Delaware&#8217;s failure to hold a shareholder meeting to act upon the merger agreement, or if Delaware&#8217;s board of directors fails to recommend approval of the merger or upon the withdrawal, qualification or revision of its recommendation to approve the merger.&#160;&#160;In addition, Delaware is also required to pay the $615,000 termination fee if Delaware terminates the merger agreement after having received a superior proposal that, in the good faith determination of Delaware&#8217;s board of directors based on the advice of counsel, the board is required to accept in order to comply with its fiduciary duties.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In addition, if, after a public announcement that another party would like to enter into a transaction with Delaware, Norwood terminates the merger agreement due to the shareholders of Delaware failing to approve the merger or due to a material breach by Delaware of any of its covenants or agreements in the merger agreement, Delaware will be required to pay Norwood a fee of $615,000. If Delaware enters into a merger agreement with any other party within 18 months of the termination of the merger agreement as a result of the failure of Delaware shareholders to approve the merger agreement, Delaware will be required to pay $615,000 to Norwood less any amounts previously paid.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><a name="toc59913_69"><!--EFPlaceholder--></a><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">76</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Expenses</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each of Norwood and Delaware will pay its own costs and expenses incurred in connection with the merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><a name="toc59913_70"><!--EFPlaceholder--></a><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Changing the Terms of the Merger Agreement</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Before the completion of the merger, Norwood and Delaware may agree to waive, amend or modify any provision of the merger agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Dissenters&#8217; Rights of Appraisal</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under New York law, if you do not wish to accept the cash payment&#160;&#160;provided for in the merger agreement, you have the right to object to the merger and file a written objection&#160;&#160;including a notice of&#160;&#160;election to dissent and demand for payment of the fair value of your shares with Delaware. <font style="FONT-WEIGHT: bold; DISPLAY: inline">If you intend to dissent and demand to receive payment of the fair value of your shares, you must comply with the&#160;&#160;provisions of Section 623 of the New York Business Corporation Law (&#8220;Section 623&#8221;) in order to receive payment for your shares.&#160;&#160;Delaware and Norwood will require strict compliance with the statutory procedures.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following is intended as a brief summary of the material provisions of the New York statutory procedures required to be followed by a Delaware shareholder in order to dissent from the merger and receive payment of the fair value of his or her shares.&#160;&#160;This summary, however, is not a complete statement of all applicable requirements and is qualified in its entirety by reference to Section 623 of the New York Business Corporation Law, the full text of which appears in Annex C of this proxy statement/prospectus.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This proxy statement/prospectus constitutes Delaware&#8217;s notice to its shareholders of the availability of dissenters&#8217; rights in connection with the merger in compliance with the requirement of Section 623.&#160;&#160;If you wish to consider exercising your dissenters&#8217; rights you should carefully review the text of Section 623 contained in Annex C because failure to timely and properly comply with the requirements of Section 623 will result in the loss of your rights under New York law.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If you elect to dissent, you must satisfy the conditions stated below.&#160;&#160;Section 623 requires that a shareholder intending to enforce his or her right to receive payment for his or her shares in connection with a merger transaction, file with the corporation (in this case, Delaware), before the special meeting of shareholders, or at the special meeting, but before the vote, written objection to the merger.&#160;&#160;The written objection shall include:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;A notice of election to dissent;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The shareholder's name and residence address;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The number and class of shares as to which is dissented; and</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;A demand for payment of the fair value of the shares if the merger is consummated.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A shareholder may not dissent as to less than all of the shares as to which he or she has a right to dissent. The written notice of election to dissent must be in addition to and separate from any proxy or vote abstaining from or against the merger.&#160;&#160;Voting against or failing to vote for the merger by itself does not constitute an election to dissent within the meaning of Section 623. You must not vote in favor of the merger.&#160;&#160;An abstention or failure to vote will satisfy this requirement, but a vote in favor of the merger, by proxy or in person, will constitute a waiver of your election to dissent in respect of the shares so voted and will nullify any previously filed written notices of election to dissent.&#160;&#160;Finally, you must continuously </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">77</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">be the beneficial owner of your shares of Delaware through the effective date of the merger.&#160;&#160;If you fail to comply with any of these conditions and the merger is completed, you will be entitled to receive payment for your shares of Delaware common stock as provided for in the merger&#160;&#160;agreement, but you will have no dissenters&#8217; rights with respect to your shares of Delaware common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All notices of election to dissent should be addressed to Judith A. Riscoe, Secretary, Delaware Bancshares, Inc., 131-133 Delaware Street, Walton, New York 13856 and should be executed by, or on behalf of, the record holder of the shares of Delaware common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">To be effective, a notice of election to dissent by a holder of Delaware common stock must be made by or in the name of such registered shareholder,&#160;&#160;fully and correctly, as the shareholder's name appears on his or her stock certificate(s) and cannot be made by the beneficial owner if he or she does not also hold the shares of record.&#160;&#160;The beneficial holder must, in such cases, have the registered owner submit the required notice of election to dissent with respect of such shares.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If shares are owned of record in a fiduciary capacity, such as by a trustee, guardian or custodian, execution of a notice of election to dissent should be made in such capacity; and if the shares are owned of record by more than one person, as in a joint tenancy or tenancy in common, the demand should be executed by or for all joint owners.&#160;&#160;A record owner, such as a broker, who holds shares as a nominee for others, may exercise his or her dissenters&#8217; rights with respect to the shares held for one or more&#160;&#160;beneficial&#160;&#160;owners,&#160;&#160;while not exercising this right for other beneficial owners.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If you hold your shares of Delaware common stock in a brokerage account or in other nominee form and you wish to exercise dissenters&#8217; rights, you should consult with your broker or such other nominee to determine the appropriate procedures.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If holders of two-thirds of the common stock of Delaware approve the merger, then within ten (10) days of such approval, Delaware shall give written notice of such approval by registered mail to each shareholder of Delaware who filed an election to dissent with Delaware, and who did not withdraw his or her notice of election to dissent prior to the vote or vote in favor of the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">At the time of filing the notice of election to dissent or within one month thereafter, the dissenting shareholder shall submit his or her stock certificate(s) to either Delaware or the exchange agent.&#160;&#160;Upon receipt thereof, the applicable entity shall note conspicuously on the stock certificate(s) that a notice of election has been filed and return the stock certificate(s) to the shareholder who submitted them. Any shareholder with stock certificates who fails to submit his or her stock certificates for such notation shall at the option of Delaware, by written notice with 45 days of the date of filing such notice of election to dissent, lose his or her dissenters&#8217; rights.</font><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Within 15 days of the effective date of the merger, but not later than 90 days from the date of the shareholders' meeting at which the merger agreement was adopted and approved,&#160;&#160;Delaware or Norwood, as the successor to Delaware, shall make a written offer by registered mail to each shareholder who has filed a notice of election to dissent to pay for his or her shares of common stock at a specified price that Delaware or Norwood considers to be their fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This offer shall be accompanied by a statement setting forth the aggregate number of shares with respect to which notices of election to dissent have been received and the aggregate number of holders of such shares.&#160;&#160;So long as the merger has become effective, such offer must also be accompanied by (1) advance payment to each shareholder who submitted his or her stock certificates to Delaware or the exchange agent for notation in an amount equal to eighty percent (80%) of the amount of such offer, or (2) as to a shareholder who has not yet submitted his or her stock certificates, if the time&#160;&#160;period has not </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">78</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">expired, or if Delaware or Norwood elects to grant the shareholder additional time, a statement that advance&#160;&#160;payment of eighty percent (80%) of the offer shall be promptly made by Norwood once certificates have been submitted and notated.&#160;&#160;If the merger has not become effective at the time of the offer, then Norwood may wait until the merger becomes effective to send the advance payment or statement of advance payment to the dissenting shareholders and any offer extended without the payment or&#160;&#160;statement of payment may be conditioned on the effectiveness of the merger.&#160;&#160;Each advance payment or statement as to advance&#160;&#160;payment&#160;&#160;shall advise the recipient shareholder that acceptance of such payment does not constitute a waiver of any dissenters&#8217; rights. The offer made to each dissenting shareholder shall be made at the same price per share to all dissenting&#160;&#160;shareholders of the same class of stock. Such offer need not be accompanied&#160;&#160;by a balance sheet or profit and loss statement of Delaware since the financial statements of Delaware are being furnished to shareholders with this proxy statement/prospectus.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If within 30 days of Delaware or Norwood making the offer to the dissenting shareholders, Delaware or Norwood and any shareholder agree on the price to be paid for his or her shares, payment for the shares shall made within 60 days after the later of the offer or the effective date of the merger, upon surrender of stock certificates for the subject shares.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If Norwood fails to make an offer for the dissenting shares within 15 days of the effective date of the merger, or if Norwood fails to agree on an offer price with any dissenting shareholder within the 30 day period, Norwood shall within 20 days of the expiration of the applicable period, institute a special proceeding in the supreme court in the judicial district where the offices of Delaware were located.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If Norwood fails to timely institute such proceeding, any dissenting shareholder may institute such proceeding with 30 days of the expiration of the 20 day period.&#160;&#160;If such a proceeding is not then timely instituted, all dissenters&#8217; rights shall be lost unless the supreme court, for good cause shown, shall otherwise direct.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If a proceeding is instituted, the court shall determine whether a dissenting shareholder is entitled to receive payment for his or her shares, and the court shall fix the fair value of such shares as of the close of business on the day prior to the shareholders' meeting at which the merger was authorized.&#160;&#160;A final order shall be entered against Norwood for payment to the dissenting&#160;&#160;shareholders including interest from the effective date of the merger.&#160;&#160;Each party to such proceeding shall bear its own costs and&#160;&#160;expenses, provided that the court may appoint or assess expenses and fees against the dissenting shareholders if the court finds that their refusal to accept the Norwood offer was arbitrary, or not in good faith.&#160;&#160;Similarly, the court may appoint and assess fees and expenses against Norwood if any of the following occur: (A) the fair value of the shares as determined by the court materially exceeds the amount which Norwood offered to pay; (B) no offer or required advance payment was made by Norwood; (C) Norwood failed to institute the special proceeding; or (D) Norwood failed to act in good faith.&#160;&#160;Norwood must make payment pursuant to the court order within 60 days after final determination of the proceeding.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In view of the complexity of Section 623, Delaware shareholders who may wish to dissent from the merger and pursue dissenters&#8217; rights should consult their legal advisors.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">79</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">PRO FORMA DATA</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The unaudited pro forma combined condensed consolidated financial information has been prepared using the acquisition method of accounting, giving effect to Norwood&#8217;s proposed acquisition of Delaware.&#160;&#160;Under this method, Delaware&#8217;s assets and liabilities as of the date of the acquisition will be recorded at their respective fair values and added to those of Norwood. Any difference between the purchase price for Delaware and the fair value of the identifiable net assets acquired (including core deposit intangibles) will be recorded as goodwill. The goodwill resulting from the acquisition will not be amortized to expense, but instead will be reviewed for impairment at least annually and to the extent goodwill is impaired, its carrying value will be written down to its implied fair value and a charge will be made to earnings.&#160;&#160;Any core deposit and other intangibles with estimated useful lives to be recorded by Norwood in connection with the acquisition will be amortized to expense over their estimated useful lives. The financial statements of Norwood issued after the acquisition will reflect the results attributable to the acquired operations of Delaware beginning on the date of completion of the acquisition. </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following unaudited condensed pro forma balance sheet as of December 31, 2015 combines the historical financial statements of Norwood and Delaware. The unaudited pro forma financial statements give effect to the proposed acquisition as if the acquisition occurred on December 31, 2015 with respect to the balance sheet, and at the beginning of the period for the twelve months ended December 31, 2015, with respect to the statement of income.&#160;&#160;Accordingly, the consideration paid by Norwood to complete the acquisition of Delaware will be allocated to Delaware&#8217;s assets and liabilities based upon their estimated fair values as of the date of completion of the acquisition. The allocation is dependent upon certain valuations and other studies that have not been finalized at the time of the acquisition announcement; however, preliminary valuations based on the fair value of the acquired assets and liabilities have been estimated and included in the unaudited pro forma financial statements.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The final allocation of the purchase price will be determined after the merger is completed and after completion of thorough analyses to determine the fair value of Delaware&#8217;s tangible and identifiable intangible assets and liabilities as of the date the merger is completed. Increases or decreases in the estimated fair values of the net assets as compared with the information shown in the unaudited pro forma combined condensed consolidated financial information may change the amount of the purchase price allocated to goodwill and other assets and liabilities and may impact Norwood&#8217;s consolidated statement of income due to adjustments in yield and/or amortization of the adjusted assets or liabilities. Any changes to Delaware shareholders&#8217; equity, including results of operations from December 31, 2015 through the date the merger is completed, will also change the purchase price allocation, which may include the recording of a lower or higher amount of goodwill. The final adjustments may be materially different from the unaudited pro forma adjustments presented herein.&#160;&#160;The pro forma calculations, shown herein, assume a closing price of $28.75, which represents the closing price of Norwood&#8217;s common stock on December 31, 2015.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The<font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>pro forma income statement and per share data information does not include anticipated cost savings or revenue enhancements, nor does it include one-time merger and integration expenses which will be expensed against income. Delaware and Norwood are currently in the process of assessing the two companies&#8217; personnel, benefits plans, premises, equipment, computer systems and service contracts to determine where the companies may take advantage of redundancies or where it will be beneficial or necessary to convert to one system. Certain decisions arising from these assessments may involve canceling contracts between either Delaware or Norwood and certain service providers. The pro forma combined basic earnings and diluted earnings per share of Delaware common stock is based on the pro forma combined net income per common share for Delaware and Norwood divided by the pro forma common shares or diluted common shares of the combined entities. The pro forma information includes adjustments related to the fair value of assets and liabilities of Delaware and is subject to adjustment as </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">80</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">additional information becomes available and as a final merger date analyses are performed. The pro forma combined balance sheet and book value per share data does include the impact of merger expenses on the balance sheet with Delaware&#8217; after tax charges currently estimated at $1.4 million, illustrated as a pro forma fair value liability accrual, and Norwood&#8217;s after-tax estimated charges of $2.3 million, illustrated as a pro forma adjustment to retained earnings and liability accrual. The pro forma combined book value and tangible book value of Delaware common stock is based on the pro forma combined common stockholders&#8217; equity of Delaware and Norwood divided by total pro forma common shares of the combined entities.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Certain reclassification adjustments have been made to Delaware&#8217;s unaudited pro forma financial statements to conform to Norwood&#8217;s financial statement presentation. The unaudited pro forma information, while helpful in illustrating the financial characteristics of the combined company under one set of assumptions, as previous mentioned they do not reflect the benefits of expected cost savings or opportunities to earn additional revenue and, accordingly, does not attempt to predict or suggest future results. It also does not necessarily reflect what the historical results of the combined company would have been had our companies been combined during this period. The unaudited pro forma combined financial information has been derived from, and should be read in conjunction with, the historical consolidated financial statements and the related notes of both Delaware and Norwood that have been included in or incorporated by reference into this proxy statement/prospectus.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">The unaudited pro forma data are qualified by the statements set forth under this caption and should not be considered indicative of the market value of Norwood common stock or the actual or future results of operations of Norwood for any period. Actual results may be materially different than the pro forma information presented.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">81</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 40.5pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td>
<div align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">UNAUDITED PRO FORMA COMBINED FINANCIAL INFORMATION</font></font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Unaudited Combined Pro Forma Balance Sheets as of December 31, 2015</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">($ in Thousands, Except Per Share Data)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pro Forma</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pro Forma</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Financial Corp.</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Bancshares, Inc.</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Adjustments</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Combined</font></div>
</td>
<td valign="bottom" width="8%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="16" valign="bottom" width="54%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Assets</font></div>
</td>
<td colspan="2" valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;Cash and due from banks</font></div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9,744</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,760</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,504</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;Interest bearing deposits with other banks</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">266</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,394</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,660</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash and cash equivalents</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,010</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,154</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16,164</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;Securities held to maturity</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,412</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,412</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;Securities available for sale</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">138,851</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">209,214</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(15,640</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(4)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">332,425</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total securities</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">138,851</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">213,626</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(15,640</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">336,837</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">559,925</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">115,704</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">481</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(5)</font>&#160;&#160;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">676,110</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Allowance for loan losses</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(7,298</font></div>
</td>
<td colspan="2" valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,677</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,677</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(6)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(7,298</font></div>
</td>
<td valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></div>
</td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans, net of allowance for loan losses</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">552,627</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">114,027</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,158</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">668,812</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regulatory stock, at cost</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,412</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">516</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,928</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Premises and equipment, net</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,472</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,200</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(10)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,672</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Bank owned life insurance</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18,820</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,554</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">33,374</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrued interest receivable</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,363</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,416</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,779</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Foreclosed real estate owned</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,847</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,847</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Goodwill</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9,715</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,322</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(4,856</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(1)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11,181</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other intangibles</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">285</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,463</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">986</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(3)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,734</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deferred tax asset, net</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,669</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,094</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,027</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(9)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,790</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other assets</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,434</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,317</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,751</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Assets</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">750,505</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">371,689</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td valign="bottom" width="7%" style="BORDER-TOP: black; BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(16,325</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-TOP: black; TEXT-ALIGN: left">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></font></div>
</div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,105,869</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Liabilities and Stockholders&#8217; Equity</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Liabilities</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Non-interest bearing demand</font></div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">107,814</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">65,162</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">172,976&#160;</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest-bearing demand</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">52,040</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">34,334</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">86,374</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Money market deposit accounts</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">119,028</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">40,563</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">159,591</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Savings</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">75,280</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">102,982</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">178,262</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Time</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">196,747</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">73,928</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">854</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(7)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">271,529</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Deposits</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">550,909</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">316,969</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">854</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">868,732</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Short term borrowings</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">53,235</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,777</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(8)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">60,012</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other borrowings</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">41,126</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11,781</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(11,781</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(8)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">41,126</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Junior subordinated debentures</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,248</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(8)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,248</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrued interest payable</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">957</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">799</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,756</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other liabilities</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,280</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,055</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,536</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(11)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,871</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total liabilities</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">649,507</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">350,629</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(5,391</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">994,745</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Stockholders&#8217; Equity</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Preferred Stock</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Common Stock</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">373</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,346</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,303</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(1)(2)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">416</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Surplus</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">35,351</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,315</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,057</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">47,723</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Retained Earnings</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">65,412</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19,102</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(21,391</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)(11)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;63,123</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accumulated Other Comprehensive Income</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">488</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(2,987</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,987</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">488</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Treasury stock at cost</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(626</font></div>
</td>
<td colspan="2" valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(4,716</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,716</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(626</font></div>
</td>
<td valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></div>
</td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Stockholders&#8217; Equity</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100,998</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,060</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(10,934</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">111,124</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="38%">
<div style="MARGIN-LEFT: 54pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Liabilities and Stockholders&#8217; Equity</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">750,505</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">371,689</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(16,325</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,105,869</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">Per Share Data</font></font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Shares Outstanding</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,701,357</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">925,499</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(493,684</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(1)</font></font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,133,172</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Book Value Per Share</font></div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27.39</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22.76</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26.89</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="38%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tangible Book Value Per Share</font></div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.67</font></div>
</td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14.34</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.52</font></div>
</td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">82</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Unaudited Pro Forma Combined Statement of Operations for the Twelve Months Ended December 31, 2015</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">($ In Thousands, Except Per Share Data)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pro Forma</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pro Forma</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Financial Corp.</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Bancshares, Inc.</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Adjustments</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Combined</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INTEREST INCOME</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans receivable, including fees</font></div>
</td>
<td valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24,002</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,343</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(700</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(5)</font></font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28,645</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Securities</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,761</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,640</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">154</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(4)(8)</font></font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9,375</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Interest Income</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27,779</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,803</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(546</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">38,036</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">INTEREST EXPENSE</font><font style="FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,421</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">992</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(657</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(7)</font></font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,756</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Short-term borrowings</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">85</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">41</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">126</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other borrowings</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">752</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">665</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(665</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></font></div>
</div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(8)</font></font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">752</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Junior subordinated debentures</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">615</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">615</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Interest Expense</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,258</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,313</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,322</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></font></div>
</div>
</div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,249</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Net interest income</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24,521</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,490</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">776</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">33,787</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">PROVISION FOR LOAN LOSSES</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,580</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">150</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,730</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Net interest income after provision for loan losses</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19,941</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,340</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">776</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29,057</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">Other Income</font><font style="FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Service charges and fees</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,440</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,002</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,442</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Income from fiduciary activities</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">439</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">470</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net realized gains on sales of securities</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">626</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">956</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,582</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net realized gain on sale of loans and servicing rights</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Earnings and proceeds on life insurance policies</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">665</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">326</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">991</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">425</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">925</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,350</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Other Income</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,699</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,240</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,939</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">Other Expense</font><font style="FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Salaries and employee benefits</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,535</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,489</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,024</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Occupancy</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,660</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">923</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,583</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Furniture and equipment</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">422</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">544</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">966</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Data processing related operations</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">943</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,019</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,962</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">FDIC insurance assessment</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">411</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">234</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">645</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Advertising</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">240</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">302</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">542</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Professional fees</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">730</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">790</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,520</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Postage and telephone</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">436</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">198</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">634</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Taxes, other than income</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">711</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">711</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Foreclosed real estate</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">911</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">922</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Amortization of intangible assets</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">105</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">280</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">165</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(3)</font></font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">550</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,996</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,764</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(63</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">)</font></font></div>
</td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(8)</font></font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,697</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total Other Expenses</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17,100</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11,554</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">102</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28,756</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Income Before Income Taxes</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,540</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">674</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,240</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INCOME TAX (BENEFIT) EXPENSE</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,632</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(565</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">229</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(9)</font></font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,296</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Net income</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,908</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">591</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">445</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,944</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">EARNINGS PER SHARE</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">BASIC</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.60</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.64</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.69</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">DILUTED</font></div>
</td>
<td valign="bottom" width="3%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.60</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.64</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.68</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Basic EPS weighted average shares outstanding</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,673,032</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">925,499</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(493,684</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,104,847</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="41%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Diluted EPS weighted average shares outstanding</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,691,406</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">925,499</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(493,684</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,123,221</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">83</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">NOTES TO UNAUDITED PRO FORMA COMBINED FINANCIAL STATEMENTS</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The acquisition will be effected by the issuance of shares of Norwood common stock and cash to Delaware&#8217;s shareholders. The pro forma information is based upon the assumption that the total number of shares of Delaware common stock outstanding immediately prior to the completion of the merger will be 925,499, the number of shares outstanding as of December 31, 2015.&#160;&#160;Pursuant to the terms of the merger agreement, shareholders of&#160;Delaware&#160;will have the opportunity to elect to receive for each share of&#160;Delaware stock they own, either 0.6221 shares of&#160;Norwood common stock or&#160;$16.68&#160;in cash.&#160; The merger agreement also sets forth election procedures that are subject to allocation and proration procedures are intended to ensure that, in the aggregate, 75% of outstanding shares of Delaware common stock will be converted into Norwood common stock, and 25% will be converted into cash. Based on the merger allocation requirements, the following assumes 694,124 of the 925,499 shares of Delaware common stock would be exchanged for Norwood common stock, with the balance of the outstanding Delaware shares being exchanged for cash.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The final accounting purchase price assigned to record the shares issued in the acquisition will be based on the closing price of Norwood common stock on the closing date of the acquisition.&#160;&#160;Norwood and Delaware cannot predict what the value or price of Norwood common stock will be at the closing of the transaction or how the value or price of Norwood common stock may trade at any time. The pro forma calculations, shown herein, assume a closing price for Norwood common stock of $28.75, which represents the closing price of Norwood common stock on December 31, 2015.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The final allocation of the purchase price will be determined after the acquisition is completed and additional analyses are performed to determine the fair values of Delaware tangible and identifiable intangible assets and liabilities as of the date the acquisition is completed. Changes in the fair value of the net assets of Delaware as of the date of the acquisition will likely change the amount of purchase price allocable to excess purchase price. The final adjustments may be materially different from the unaudited pro forma adjustments presented herein. The unaudited pro forma financial information has been prepared to include the estimated adjustments necessary to record the assets and liabilities of Delaware at their respective fair values and represents management&#8217;s best estimate based upon the information available at this time. These pro forma adjustments included herein are subject to change as additional information becomes available and as additional analyses are performed.&#160;&#160;Such adjustments, when compared to the information shown in this document, may change the amount of the purchase price allocated to goodwill while changes to other assets and liabilities may impact the statement of income due to adjustments in the yield and/or amortization/accretion of the adjusted assets and liabilities.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The total estimated purchase price for the purpose of this pro forma financial information is $16.3 million.&#160;&#160;The following table provides the calculation and allocation of the purchase price used in the pro forma financial statements and a reconcilement of pro forma shares to be outstanding:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">84</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Summary of Purchase Price Calculation and Goodwill Resulting from Merger</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">($ in thousands except per share data)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="83%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31,</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Purchase Price Consideration in Norwood Common Stock</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware common shares outstanding</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">925,499</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware common shares settled for stock</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">694,124</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Exchange Ratio</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.6221</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood shares to be issued</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">431,815</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Value assigned to Norwood common share</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28.75</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="13%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Purchase price assigned to Delaware common shares exchanged for Norwood stock</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12,415</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Purchase Price Consideration - Cash for Common Stock</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware shares exchanged for cash</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">231,375</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Purchase price paid for each Delaware common shares exchanged for cash</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.68</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Purchase price assigned to Delaware common shares exchanged for cash</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,859</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total Purchase Price</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="12%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16,274</font></div>
</td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net Assets Acquired:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware shareholders&#8217; equity</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,060</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware goodwill and intangibles</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(7,785</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware tangible equity</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13,275</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Estimated adjustments to reflect assets acquired at fair value:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investments</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">481</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Allowance for loan losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,677</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Premises &amp; equipment, net</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Core deposit intangible</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,449</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deferred tax assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(152</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Estimated adjustments to reflect liabilities acquired at fair value:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Time deposits</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(854</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Borrowings</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware transaction merger liabilities accrued</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(2,068</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,808</font></div>
</td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Goodwill resulting from merger</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="12%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,466</font></div>
</td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Reconcilement of Pro Forma Shares Outstanding</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware shares outstanding</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">925,499</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Exchange ratio</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.6221</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood shares to be issued to Delaware</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">431,815</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood shares outstanding</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,701,357</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Pro Forma Norwood shares outstanding</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,133,172</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Percentage ownership for Norwood</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">89.55</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="70%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Percentage ownership for Delaware</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.45</font></div>
</td>
<td valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="12%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">2)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Adjustment to reflect the issuance of shares of Norwood common stock with a $0.10 par value in connection with the acquisition and the adjustments to shareholders&#8217; equity for the reclassification of Delaware historical equity accounts (common stock, accumulated other comprehensive loss, cost of treasury stock, and undivided profits) into surplus and adjustment for goodwill created in the transaction.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">85</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">3)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Adjustment to reverse the existing Delaware core deposit intangible asset (and historical amortization expense) and create a new Delaware core deposit intangible to reflect the fair value of $2.4 million and the new related amortization and the related amortization adjustment based upon an expected life of 10 years. The amortization of the new core deposit intangible is expected to increase pro forma pre-tax interest expense by $445 thousand.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">4)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Securities held-to-maturity fair value approximated book value at December 31, 2015 and no balance sheet or income statement adjustment was needed. Securities available-for-sale were recorded at fair value at December 31, 2015, therefore no balance sheet adjustment is necessary. Income statement adjustment includes prospective reclassification of existing available-for-sale securities fair value adjustment to an accreting discount which will be accreted into income based on the expected life.&#160;&#160;This investment adjustment is expected to increase pro forma pre-tax interest income by $389 thousand in the first year following consummation.&#160;&#160;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The securities available-for-sale balance sheet adjustment also includes a $3.9 million pro forma reduction of investments to be liquidated by Norwood to fund the cash portion of the Delaware common stock purchased, and an $11.8 million pro forma reduction of securities available-for-sale by Norwood for the cash needed to pay off other borrowings of Delaware (see note 8). The income statement adjustments includes the loss of interest income of $235 thousand related to the cash used to purchase Delaware common stock and pay off Delaware borrowings, assuming a 1.5% investment rate;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">5)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Includes a positive adjustment of $2.8 million to reflect a fair value loan premium for Delaware of loans based on current interest rates of similar loans. This adjustment will be substantially recognized over approximately the expected life of the loans and is expected to decrease pro forma pre-tax interest income by $931 thousand. Also includes negative adjustments of $1.1 million fair value general credit risk loan discount and a $1.2 million fair value specific credit discount..&#160;&#160;Included is the reversal of the Delaware allowance for loan losses as of December 31, 2015 in accordance with acquisition method of accounting for the acquisition. The general credit adjustment will be substantially recognized over approximately the expected life of the loans and is expected to increase pro forma pre-tax interest income by $231 thousand. No pro forma earnings impact was assumed from the specific credit adjustments.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">6)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Adjustment for the reversal of the Delaware allowance for loan losses as of December 31, 2015 in accordance with acquisition method of accounting for the acquisition.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">7)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Adjustment of $854 thousand to reflect the fair values of certain interest-bearing time deposit liabilities based on current interest rates for similar instruments. The adjustment will be recognized using an amortization method based upon the maturities of the deposit liabilities. This adjustment is expected to decrease pro forma pre-tax interest expense by $657 thousand.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; DISPLAY: inline">8)</font>&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No fair value adjustments were deemed necessary for short term borrowings or junior subordinated debentures. Balance sheet adjustment of $11.8 million reflects liquidation of investments by Norwood to pay off $11.8 million of other borrowings. The other borrowings of Delaware are collateralized by 100% of NBDC Bank&#8217;s common stock and to effectuate this merger the other borrowings will be paid off at closing by Norwood. The income statement reflects lost investment interest income of $180 thousand in 2015, assuming 1.5% yield on investments liquidated to pay down the other borrowing and lower other borrowing interest expense of $665 thousand in 2015. The adjustment for other noninterest expense represents the elimination of deferred other borrowing costs of $63,000 related to the $11.8 million pay off mentioned in this footnote.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">9)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Adjustment to reflect the net deferred tax at a rate of 34% related to fair value adjustments on the balance sheet and an effective tax rate of 34% for book tax expense. It is noted that a tax benefit was not taken for certain acquisition obligations and costs that were considered to be not tax deductable.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">10)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No fair value adjustments related to buildings and equipment were deemed significant.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">11)&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Adjustment relates to balance sheet adjustment to reflect the accrual of one-time estimated merger charges for Norwood and Delaware: a) Norwood&#8217;s pre-tax charge of $3.5 million ($2.2 million after-tax) included as a pro </font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">86</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 27pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">forma liability with the after-tax costs as a reduction of retained earnings; and b) Delaware&#8217;s pre-tax charge of $2.1 million ($1.4 million after-tax) included as a pro forma fair value liability accrual. There were no significant merger expenses included in the historical financial statements of either Norwood or Delaware.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">COMPARISON OF SHAREHOLDER RIGHTS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">General</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 1pt; FONT-FAMILY: Times New Roman, serif; DISPLAY: inline"><font style="FONT-SIZE: 10pt; DISPLAY: inline">Norwood is incorporated under the laws of the Commonwealth of Pennsylvania and Delaware is incorporated under the laws of the State of New York.&#160;&#160;Accordingly, the rights of Norwood shareholders and Delaware shareholders are governed by the laws of the Commonwealth of Pennsylvania and the State of New York, respectively. As a result of the merger, Delaware shareholders who receive shares of Norwood common stock will become shareholders of Norwood. Thus, following the merger, the rights of Delaware shareholders who become Norwood shareholders in the merger will be governed by the laws of the Commonwealth, and will also then be governed by Norwood&#8217;s articles of incorporation and Norwood&#8217;s bylaws.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Comparison of Shareholders&#8217; Rights</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Set forth below is a summary comparison of material differences between the rights of a Norwood shareholder under Norwood&#8217;s articles of incorporation and the Norwood&#8217;s bylaws (right column), and the rights of a shareholder under Delaware&#8217;s certificate of incorporation and Delaware&#8217;s bylaws (left column). The summary set forth below is not intended to provide a comprehensive discussion of each company&#8217;s governing documents but rather to highlight certain areas where there are differences. This summary is qualified in its entirety by reference to the full text of Norwood&#8217;s articles of incorporation and Norwood&#8217;s bylaws, and Delaware&#8217;s certificate of incorporation and Delaware&#8217;s bylaws.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="35%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood Financial Corp.</font></div>
</div>
</td>
</tr><tr>
<td valign="middle" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td colspan="3" valign="top" width="73%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">CAPITAL STOCK</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Authorized Capital</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.5 million shares of common stock, par value $1.25&#160;&#160;per share, no shares of preferred stock. As of ___________ __, 2016, there were 925,499 shares of Delaware common stock issued and outstanding.</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10 million shares of common stock, par value $0.10 per share, 5 million shares of preferred stock without par value. As of ___________ __, 2016, there were ________ &#160;shares of Norwood common stock issued and outstanding and an additional _______&#160;shares are estimated to be issued in the merger, and no shares of preferred stock issued and outstanding.</font></div>
</td>
</tr><tr>
<td colspan="2" valign="bottom" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-STYLE: italic; DISPLAY: inline">Preferred Stock.</font>&#160;&#160;Delaware&#8217;s certificate of incorporation does not authorize the board of directors to issue shares of preferred stock.</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-STYLE: italic; DISPLAY: inline">Preferred Stock.</font> &#160;&#160;Norwood&#8217;s articles of incorporation authorize the board of directors, without further shareholder action, to issue up to 5 million shares of preferred stock, in one or more series, and determine by resolution any designations, preferences, qualifications, privileges, limitations, restrictions, or special or relative rights of additional series. The rights of preferred shareholders may supersede the rights of common shareholders.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">87</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div><br>
&#160;</div>

<div><br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="50%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>
</div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="48%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood Financial Corp.</font></div>
</div>
</td>
</tr><tr>
<td valign="middle" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>
</div>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="5" valign="top" width="100%" style="TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">BOARD OF DIRECTORS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Number of Directors; Classification of Board</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware&#8217;s bylaws provide that the number of directors on the board shall be not less than five (5) nor more than twenty-five (25) shareholders. The number of directors may be changed by the vote of 67% of the votes cast by shareholders at a meeting held for the purpose of electing directors or changing their number. The board of directors is divided into three classes with the members of each class elected for three year terms.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s articles of incorporation provide that its board of directors shall have not less than 5 nor more than 15 members as provided in the bylaws.&#160;&#160;The bylaws currently provide that there shall be nine members of the board.&#160;&#160;As with Delaware, the board of directors is divided into three classes with the members of each class elected for three year terms.</font></div>
</td>
</tr><tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Qualification of Directors</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware&#8217;s bylaws provide that each director must be a shareholder.</font></font></div>
</div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s bylaws require that each director own at least 12 shares of the common stock of Norwood.&#160;&#160;Such shares must be kept on deposit in the vault of Norwood.</font></div>
</td>
</tr></table>

<div>&#160;</div>

<div style="TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">ACTIONS BY SHAREHOLDERS</font></div>

<div style="TEXT-ALIGN: center">&#160;</div>

<div style="TEXT-ALIGN: center"><font style="FONT-WEIGHT: bold">Annual Meeting of Shareholders</font></div>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="50%" style="TEXT-ALIGN: justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware's bylaws provide that the annual meeting of shareholders shall be held at such date as may be fixed by the board of directors.&#160;</font></td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="48%" style="TEXT-ALIGN: justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;Norwood's bylaws provide that the annual meeting shall be held on such date or time as may be determined by the board of directors</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Special Meetings of Shareholders</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Special meetings of the shareholders may be called at any time by the board of directors or three or more shareholders owning, in the aggregate, at least 67% of the outstanding shares.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Special meetings of the shareholders may be called by (i) the majority vote of the board of directors, (ii) the Chairman or the President, or (iii) shareholders entitled to cast at least 50% of the votes that all shareholders are entitled to cast.</font></div>
</td>
</tr><tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Action by&#160;&#160;Shareholders Without a Meeting</font></div>
</td>
</tr><tr>
<td valign="top" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="top" width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Shareholders may only act by unanimous written consent unless otherwise provided in the certificate of incorporation.&#160;&#160;Delaware&#8217;s certificate of incorporation does not provide otherwise.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s articles of incorporation permit shareholder action by written consent.&#160;&#160;In order to be effective, the consent must be signed by shareholders who would have been entitled to cast the minimum number of votes that would be necessary to authorize the action if a meeting were held.&#160;&#160;If the action is taken by less than unanimous consent, the action may not become effective until after at least 10 days&#8217; written notice of the action has been given to each shareholder entitled to vote thereon who has not consented thereto.</font></div>
</td>
</tr></table>

<div>&#160;</div>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">88</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="50%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>
</div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="48%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood Financial Corp.</font></div>
</div>
</td>
</tr><tr>
<td valign="middle" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>
</div>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Record Dates</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware&#8217;s bylaws provide that the board may fix record dates for determining who may vote at annual or special meetings of shareholders or who may receive a dividend of not more than 50 days prior to the date on which the particular action requiring a record date occurs.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s bylaws provide that record dates for determining who may vote at annual or special meetings of shareholders or who may receive a dividend must be not more than 90 days prior to the date on which the particular action requiring a record date.</font></div>
</td>
</tr><tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Approval of Certain Business Combinations</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware&#8217;s certificate of incorporation includes a provision requiring the affirmative vote of 75% of the outstanding shares to approve any business combination with a more than 10% shareholder unless the business combination has been approved by a majority of the disinterested directors or certain fair price requirements are satisfied.&#160;&#160;If approved by the board, the business combination need only receive the approval of shareholders specified by New York law.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s articles of incorporation also include a provision requiring an 80% approval vote for business combinations.&#160;&#160;As with Delaware, this supermajority vote requirement is not applicable if first approved by the board although the approval requirement is two-thirds of the entire board of directors if approved before there is any controlling person (defined as a shareholder owning 10% or more of the outstanding shares) or a majority of the continuing directors if after there is a controlling person.&#160;&#160;In addition, the supermajority vote would not apply if the terms of the business combination satisfy certain fair price provisions.</font></div>
</td>
</tr><tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">OPPOSITION OF OFFERS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware&#8217;s certificate of incorporation includes a provision that permits the board of directors, when evaluating a tender or other offer, to give due consideration to all relevant factors, including, without limitation, the social and economic effect of acceptance of the offer on its customers, employees and communities in which it operates, the reputation and business practices of the offer or, whether a more favorable price could be obtained in the future and certain other considerations.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Neither Norwood&#8217;s articles of incorporation nor its bylaws include any similar provision.</font></div>
</td>
</tr></table>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">DISGORGEMENT BY CONTROLLING SHAREHOLDERS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">FOLLOWING TAKEOVER ATTEMPTS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware does not have any provision of this type in its certificate of incorporation.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s articles of incorporation include a provision requiring that any profit made by a shareholder owning in excess of 10% of the outstanding shares upon the sale of the shares is recoverable by Norwood if the shares are sold within certain time limitations set forth in the articles.</font></div>
</td>
</tr></table>

<div>&#160;</div>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">89</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div>
<div><br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="50%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>
</div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="48%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Norwood Financial Corp.</font></div>
</div>
</td>
</tr><tr>
<td valign="middle" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>
</div>

<div>&#160;</div>
</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">AMENDMENT OF CERTIFICATE OR ARTICLES OF INCORPORATION</font></div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware&#8217;s certificate of incorporation requires a supermajority vote (75%) to amend certain of the articles or a majority if approved by 80% of the board of directors.&#160;&#160;The articles requiring a supermajority vote relate to preemptive rights, opposition to offers, director liability, business combinations, and amendments to the certificate of incorporation.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Aside from these provisions and amendments for which no shareholder vote is required under New York law, amendments to the certificate must be approved by a majority of the shares entitled to vote generally in the election of directors.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s articles of incorporation also require a supermajority vote (80%) to amend certain of the articles.&#160;&#160;These articles relate to the board of directors, preemptive rights, elimination of director liability, indemnification, shareholder meetings and proposals, approval of business combinations, disgorgement of profits by certain controlling shareholders and amendment of the articles of incorporation and bylaws.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Aside from these provisions, all amendments to the articles must first be approved by the board of directors and then approved by a majority of the shares entitled to vote generally in the election of directors.</font></div>
</td>
</tr><tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">AMENDMENT OF BYLAWS</font></div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Under New York law, Delaware&#8217;s bylaws may be amended by a majority of the vote cast by shareholders.&#160;&#160;The bylaws may also be amended by the board of directors.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood&#8217;s articles permit the board of directors and shareholders to amend the bylaws.&#160;&#160;If amended by the board, the amendment must be approved by majority of the directors then in office.&#160;&#160;If by shareholders, the amendment must be approved by at least 80% of the outstanding shares of stock entitled to vote in the election of directors as well as such additional vote of any preferred shareholders to the extent required by the terms of the series.</font></div>
</td>
</tr><tr>
<td colspan="5" valign="bottom" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">STATUTORY ANTI-TAKEOVER PROVISIONS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
</tr><tr>
<td valign="top" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">New York law prohibits business combinations with interested shareholders for a period of five years after they become an interested shareholder unless the interested shareholder is approved in advance by the board of directors or the business combination satisfies certain shareholder approval or fair price requirements.&#160;&#160;This provision, however, does not apply to corporations like Delaware which do not have a class of securities registered under the Exchange Act and have not opted into the statute.</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Under Pennsylvania Business Corporation Law, certain anti-takeover provisions apply to Pennsylvania registered corporations (e.g., publicly traded companies) including those relating to (1) control share acquisitions, (2) disgorgement of profits by certain controlling persons, (3) business combination transactions with interested shareholders, and (4) the rights of shareholders to demand fair value for their stock following a control transaction. Pennsylvania law allows corporations to opt-out of these anti-takeover sections.&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood has opted out of the control share acquisition statute but the other statutory anti-takeover provisions are applicable to it.</font></div>
</td>
</tr></table>
</div>

<div>&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">90</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">DESCRIPTION OF NORWOOD CAPITAL STOCK</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood is authorized to issue 10,000,000&#160;shares of common stock, par value $0.10 per share, and 5,000,000&#160;shares of preferred stock no par value. As of ___________ __, 2016, the most recent practicable trading day before this proxy statement/prospectus was finalized, there were _________ shares of Norwood common stock outstanding. Norwood has no outstanding shares of preferred stock. Each share of Norwood common stock has the same relative rights as, and is identical in all respects with, each other share of common stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The common stock of Norwood represents nonwithdrawable capital, is not an account of an insurable type, and is not insured by the FDIC or any other government agency.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Common Stock</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Dividends.</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>&#160;Norwood may pay dividends out of statutory surplus or from net earnings if, as and when declared by its board of directors. The payment of dividends by Norwood is subject to limitations that are imposed by law and applicable regulation. The holders of common stock of Norwood will be entitled to receive and share equally in dividends as may be declared by the board of directors of Norwood out of funds legally available therefor. If Norwood issues shares of preferred stock, the holders thereof may have a priority over the holders of the common stock with respect to dividends.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Voting Rights.</font>&#160;&#160;The holders of common stock of Norwood have exclusive voting rights in Norwood. They elect Norwood&#8217;s board of directors and act on other matters as are required to be presented to them under Pennsylvania law, or as are otherwise presented to them by the board of directors. Generally, each holder of common stock is entitled to one vote per share and will not have any right to cumulate votes in the election of directors. If Norwood issues shares of preferred stock, holders of the preferred stock may also possess voting rights. Certain matters require an 80% shareholder vote.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Liquidation.</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>&#160; In the event of liquidation, dissolution or winding up of Norwood, the holders of its common stock would be entitled to receive, after payment or provision for payment of all its debts and liabilities, all of the assets of Norwood available for distribution. If preferred stock is issued, the holders thereof may have a priority over the holders of the common stock in the event of liquidation or dissolution.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Preemptive Rights.</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>&#160;Holders of the common stock of Norwood will not be entitled to preemptive rights with respect to any shares that may be issued. The common stock is not subject to redemption.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Preferred Stock</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">None of the shares of Norwood&#8217;s authorized preferred stock are outstanding. Preferred stock may be issued with preferences and designations as the board of directors may from time to time determine. Norwood&#8217;s board of directors may, without shareholder approval, issue shares of preferred stock with voting, dividend, liquidation and conversion rights that could dilute the voting strength of the holders of the common stock and may assist management in impeding an unfriendly takeover or attempted change in control.<a name="gmnh144"><!--EFPlaceholder--></a></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">91</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CERTAIN ANTI-TAKEOVER PROVISIONS OF NORWOOD&#8217;S</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLES OF INCORPORATION AND BYLAWS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following discussion is a general summary of the material provisions of Norwood&#8217;s articles of incorporation and bylaws and certain other provisions under the Pennsylvania Business Corporation Law and regulatory provisions that may be deemed to have an &#8220;anti-takeover&#8221; effect. The following description of certain of these provisions is necessarily general and, with respect to provisions contained in Norwood&#8217;s articles of incorporation and bylaws, reference should be made in each case to the document in question.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood&#8217;s articles of incorporation and bylaws contain a number of provisions relating to corporate governance and rights of shareholders that might discourage future takeover attempts.&#160;&#160;As a result, shareholders who might desire to participate in such transactions may not have an opportunity to do so.&#160;&#160;In addition, these provisions will also render the removal of the board of directors or management of Norwood more difficult.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following description is a summary of the provisions of the articles of incorporation and bylaws.&#160;&#160;See &#8220;Where You Can Find More Information&#8221; in the forepart of this proxy statement/prospectus as to how to obtain a copy of these documents.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Directors.</font>&#160;&#160;The board of directors is divided into three classes. The members of each class will be elected for a term of three years and only one class of directors will be elected annually.&#160;&#160;Thus, it would take at least two annual elections to replace a majority of Norwood&#8217;s board of directors.&#160;&#160;Further, the bylaws impose notice and information requirements in connection with the nomination by shareholders of candidates for election to the board of directors or the proposal by shareholders of business to be acted upon at an annual meeting of shareholders.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Prohibition of Cumulative Voting.</font>&#160;&#160;The articles of incorporation prohibit cumulative voting for the election of directors.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Restrictions on Removing Directors from Office.</font>&#160;&#160;The articles of incorporation provide that directors may only be removed for cause.&#160;&#160;&#8220;Cause&#8221; is defined in the articles of incorporation as being declared of unsound mind by an order of a court, convicted of a felony or of an offense punishable by imprisonment for a term of more than one year, or being deemed liable by a court for gross negligence or misconduct in the director&#8217;s duties to Norwood.&#160;&#160;At least 30 days&#8217; prior notice to the director must be given.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Authorized but Unissued Shares.</font>&#160;&#160;Norwood has authorized but unissued shares of common and preferred stock.&#160;&#160;The articles of incorporation authorize 5,000,000&#160;shares of serial preferred stock. Norwood is authorized to issue preferred stock from time to time in one or more series subject to applicable provisions of law, and the board of directors is authorized to fix the designations, and relative preferences, limitations, voting rights, if any, including, without limitation, offering rights of such shares (which could be multiple or as a separate class). In the event of a proposed merger, tender offer or other attempt to gain control of Norwood that the board of directors does not approve, it might be possible for the board of directors to authorize the issuance of a series of preferred stock with rights and preferences that would impede the completion of the transaction. An effect of the possible issuance of preferred stock, therefore, may be to deter a future attempt to gain control of Norwood. Norwood&#8217;s board of directors has no present plan or understanding to issue any preferred stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Amendments to Articles of Incorporation and Bylaws.</font>&#160;&#160;Amendments to the articles of incorporation must be approved by Norwood&#8217;s board of directors and also by a majority of the </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">92</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">outstanding shares of Norwood&#8217;s voting stock;<font style="FONT-STYLE: italic; DISPLAY: inline"> provided</font>,<font style="FONT-STYLE: italic; DISPLAY: inline"> however</font>, that approval by at least 80% of the outstanding voting stock is generally required to amend the following provisions:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The provision establishing the board of directors, the classified terms, procedures for removal and procedures for nomination of directors;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Preemptive rights;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Elimination of director liability;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Indemnification;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Meetings of shareholders and shareholder proposals;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Approval of business combinations;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Disgorgement of profits by certain controlling persons following a takeover attempt; and</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The requisite shareholder vote to approve amendments to the articles of incorporation and bylaws.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Anti-takeover Provisions Under the Pennsylvania Business Corporation Law</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under the Pennsylvania Business Corporation Law, certain anti-takeover provisions apply to Pennsylvania registered corporations (e.g., publicly traded companies) including those relating to (1) control share acquisitions, (2) disgorgement of profits by certain controlling persons, (3) business combination transactions with interested shareholders, and (4) the rights of shareholders to demand fair value for their stock following a control transaction. Pennsylvania law allows corporations to opt-out of these anti-takeover sections.&#160;&#160; Norwood is a registered corporation and&#160;has opted out only of the control share acquisition provisions.&#160;&#160;A general summary of the applicable anti-takeover provisions is set forth below.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Disgorgement of Profits by Certain Controlling Persons.</font> Pennsylvania law regarding disgorgement of profits by certain controlling persons applies in the event that (1) any person or group publicly discloses that the person or group may acquire control of the corporation, or (2) a person or group acquires (or publicly discloses an intent to acquire) 20% or more of the voting power of the corporation and, in either case, sells shares within 18 months thereafter. Any profits from sales of equity securities of the corporation received by the person or group during such 18-month period will belong to the corporation if the securities that were sold were acquired during the 18-month period or within 24 months prior thereto.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Business Combination Transactions with Interested Shareholders.</font>&#160;&#160;Pennsylvania law regarding business combination transactions with interested shareholders provides that a person who acquires the direct or indirect beneficial ownership of shares entitled to cast at least 20% of the votes entitled to be cast for the election of directors or who is an affiliate or associate of such corporation and was the beneficial owner, directly or indirectly, of shares entitling that person to cast at least 20% of the votes at any time within the five year period immediately prior to the date in question becomes an &#8220;interested shareholder.&#8221; A corporation subject to this provision may not effect mergers or certain other business combinations with the interested shareholder for a period of five years, unless:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">93</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the business combination or the acquisition of stock by means of which the interested shareholder became an interested shareholder is approved by the corporation&#8217;s board of directors prior to such stock acquisition;</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the business combination is approved by the affirmative vote of the holders of all the outstanding common shares of the corporation; or</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 72pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the business combination is approved by the affirmative vote of the holders of a majority of all shares entitled to vote, excluding votes of shares held by the interested shareholders, and at the time of such vote, the interested shareholder is the beneficial owner of at least 80% of the voting shares of the corporation. This exception applies only if the value of the consideration to be paid by the interested shareholder in connection with the business combination satisfies certain fair price requirements.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">After the five-year restricted period, an interested shareholder of the corporation may engage in a business combination with the corporation if (1) the business combination is approved by the affirmative vote of a majority of the shares other than those beneficially owned by the interested shareholder and its affiliates, or (2) the merger is approved at a shareholders meeting and certain fair price requirements are met.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Change in Control Regulations</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Change In Bank Control Act provides that no person, acting directly or indirectly or through or in concert with one or more other persons, may acquire control of a bank holding company unless the FRB has been given 60&#160;days prior written notice. For this purpose, the term &#8220;control&#8221; means the acquisition of the ownership, control or holding of the power to vote 25% or more of any class of a bank holding company&#8217;s voting stock, and the term &#8220;person&#8221; includes an individual, corporation, partnership, and various other entities. In addition, an acquiring person is presumed to acquire control if the person acquires the ownership, control or holding of the power to vote of 10% or more of any class of the holding company&#8217;s voting stock if (a)&#160;the bank holding company&#8217;s shares are registered pursuant to Section&#160;12 of the Exchange Act or (b)&#160;no other person will own, control or hold the power to vote a greater percentage of that class of voting securities. Accordingly, the prior approval of the FRB would be required before any person could acquire 10% or more of the common stock of Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank Holding Company Act provides that no company may acquire control of a bank directly or indirectly without the prior approval of the FRB. Any company that acquires control of a bank becomes a &#8220;bank holding company&#8221; subject to registration, examination and regulation by the FRB. Pursuant to federal regulations, the term &#8220;company&#8221; is defined to include banks, corporations, partnerships, associations, and certain trusts and other entities, and &#8220;control&#8221; of a bank is deemed to exist if a company has voting control, directly or indirectly of at least 25% of any class of a bank&#8217;s voting stock, and may be found to exist if a company controls in any manner the election of a majority of the directors of the bank or has the power to exercise a controlling influence over the management or policies of the bank. In addition, a bank holding company must obtain FRB approval prior to acquiring voting control of more than 5% of any class of voting stock of a bank or another bank holding company.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">An acquisition of control of a bank that requires the prior approval of the FRB under the Bank Holding Company Act is not subject to the notice requirements of the Change In Bank Control Act. Accordingly, the prior approval of the FRB under the Bank Holding Company Act would be required (a)&#160;before any bank holding company could acquire 5% or more of the common stock of Norwood and (b)&#160;before any other company could acquire 25% or more of the common stock of Norwood.<a name="gmnh145"><!--EFPlaceholder--></a></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">94</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">BUSINESS OF DELAWARE</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Corporate History</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware, a New York corporation, is the holding company for NBDC Bank.&#160;&#160;The principal activities of Delaware are ownership and supervision of NBDC Bank.&#160;&#160;NBDC Bank is a community-oriented full-service national bank providing a full range of banking services to consumers and small businesses in Delaware and Sullivan counties, New York.&#160;&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>NBDC Bank opened for business on January 2, 1891 as the First National Bank of Walton.&#160;&#160;In 1959, NBDC Bank consolidated with the Bank of Andes and became The National Bank of Delaware County.&#160;&#160;In November 2007, NBDC Bank acquired the National Bank of Stamford bringing its total number of banking offices to six, all located in Delaware County.&#160;&#160;In September 2014,&#160;&#160;NBDC Bank acquired six branches in Sullivan County from Bank of America bringing its total branch count to its current 12.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Market Area</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware is headquartered in Walton, New York, which is located in Southern New York State.&#160;&#160;In addition to its main office in Walton, New York, NBDC Bank operates 11 branch offices, located in Delaware and Sullivan Counties, New York.&#160;&#160;NBDC Bank&#8217;s primary market area consists of Delaware and Sullivan Counties, and to a lesser extent, certain areas of the adjoining counties.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Competition</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Banking is a very competitive business, with both large and small banks competing for the same customers.&#160;&#160;In addition, non-bank competitors, such as brokerage firms, credit unions, insurance companies and mortgage brokers, are offering customers loan and deposit services.&#160;&#160;Legislative, regulatory and technological changes in the financial services industry have created these new competitors, and will continue to do so in the future. Technological advances have lowered the barriers to enter new market areas, allowed banks to expand their geographic reach by providing services over the internet and made it possible for non-depository institutions to offer products and services that traditionally have been provided by banks.&#160;&#160;Changes in federal law permit affiliation among banks, securities firms and insurance companies, which increases competition in the financial services industry.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Personnel</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As of December 31, 2015, NBDC Bank employed 95 full-time and no part-time employees.&#160;&#160;&#160;None of these employees is represented by a collective bargaining agent, and Delaware believes that it enjoys good relations with its personnel.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">DELAWARE MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS OF DELAWARE</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">General</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following presents a review of Delaware&#8217;s results of operations and financial condition. This information should be read in conjunction with its consolidated financial statements and the accompanying notes to financial statements included in this document.&#160;&#160;Delaware&#8217;s consolidated earnings are derived primarily from the operations of NBDC Bank.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">95</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware&#8217;s earnings come primarily from net interest income, which is the difference between interest income on interest-earnings assets, primarily loans and investment securities, and interest expense on interest-bearing liabilities, primarily deposits and borrowings.&#160;&#160;Net interest income is also impacted by the loan loss provision, other income, and other expenses.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In September, 2014, NBDC Bank acquired six branches in Sullivan County, NY from Bank of America for a net purchase price of $4.1 million (the &#8220;branch acquisition&#8221;).&#160;&#160;As part of the branch acquisition, NBDC Bank acquired loans of $489,000 and assumed deposit liabilities of $82.6 million.&#160;&#160;See Note 14 to the consolidated financial statements.&#160;&#160;The branch acquisition was financed by a term loan in the principal amount of $12 million in April, 2014 (the &#8220;term loan&#8221;).&#160;&#160;See Note 10 to the consolidated financial statements.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Critical Accounting Matters</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires Delaware&#8217;s management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of income and expenses during the reporting period.&#160;&#160;Actual results could differ from those estimates.&#160;&#160;Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses and the valuation of the deferred tax assets.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware considers the allowance for loan losses to be a critical accounting policy. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Delaware&#8217;s management reviews the level of the allowance on a quarterly basis, at a minimum, and establishes the provision for loan losses based on the composition of the loan portfolio, delinquency levels, loss experience, economic conditions, and other factors related to the collectability of the loan portfolio.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Although Delaware believes that it uses the best information available to establish the allowance for loan losses, future additions to the allowance may be necessary based on estimates that are susceptible to change as a result of changes in economic conditions and other factors.&#160;&#160;In addition, regulatory authorities, as an integral part of their examination process, periodically review NBDC Bank&#8217;s allowance for loan losses.&#160;&#160;Such agencies may require NBDC Bank to recognize adjustments to the allowance based on their judgments about information available to them at the time of examination.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">NBDC Bank believes that the judgments used in establishing the allowance for loan losses are based on reliable present information.&#160;&#160;In assessing the sufficiency of the allowance for loan losses, management considers, among other things described above, how well prior estimates have related to actual experience.&#160;&#160;NBDC Bank has not found it necessary to call into question the reliability of judgments used in its calculation.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">There are also no particular risk elements in the local economy that put a group or category of loans at increased risk, however, NBDC Bank is pursuing commercial loans secured primarily by real estate, which may bear a higher risk of loss.&#160;&#160;These factors could lead to higher levels of allowance in future periods.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The estimate of the allowance level is always subject to normal inherent risk associated with any loan portfolio and can change based on future events, not known or predictable.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">96</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware uses the asset and liability method of accounting for deferred income taxes.&#160;&#160;Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases.&#160;&#160;If current available information raises doubt as to the realization of deferred tax assets, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.&#160;&#160;Delaware&#8217;s management exercises significant judgment in evaluating the amount and timing of recognition of the resulting tax liabilities and assets, including projections of future taxable income.&#160;&#160;These judgments and estimates are reviewed continually as regulatory and business factors change.&#160;&#160;Management&#8217;s recording of deferred tax assets and liabilities and the need for a valuation allowance is made based on information available to Delaware at the time.&#160;&#160;In particular, management evaluates the recoverability of deferred tax assets based on the ability of Delaware to generate future profits to utilize such benefits.&#160;&#160;Management employs budgeting and periodic reporting processes to continually monitor progress.&#160;&#160;These factors lower the inherent risk in the assumption of future profits.&#160;&#160;Historically, Delaware has had sufficient profits for tax recovery.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Comparison of Financial Condition at December 31, 2015 and December 31, 2014</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">General.&#160;&#160;</font>Delaware&#8217;s assets decreased $9.0 million, or 2.4%, to $371.7 million at December 31, 2015 compared to $380.7 million at December 31, 2014. A decrease in investment securities and cash and cash equivalents, partially offset by an increase in net loans, was the primary reasons for the decline in assets. Liabilities decreased $8.7 million, or 2.4%, to $350.6 million at December 31, 2015 as compared with $359.3 million at December 31, 2014.&#160;&#160;The primary reason for the decrease in liabilities was a decrease in overnight advances from the FHLB, partially offset by an increase in deposits.&#160;&#160;Shareholders&#8217; equity declined slightly to $21.1 million at December 31, 2015 from $21.3 million at December 31, 2014 primarily due to an increase in accumulated other comprehensive loss.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Assets</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;Cash and cash equivalents decreased $2.4 million, or 27.9%, to $6.2 million at December 31, 2015 as compared to $8.5 million at December 31, 2014. The primary reason for the decrease in cash and cash equivalents was due to servicing the term loan and a decrease in cash on hand at the branches.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Gross loans increased $12.9 million, or 12.5%, to $115.7 million at December 31, 2015 as compared with $102.8 million at December 31, 2014.&#160;&#160;Commercial mortgages increased $6.5 million, or 43.7%, from $14.9 million at December 31, 2014, to $21.4 million at December 31, 2015.&#160;&#160;Commercial loans increased $433,000, or 5.6%, to $8.2 million at December 31, 2015 from $7.8 million at December 31, 2014.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The residential mortgage portfolio increased $4.5 million, or 6.5%, to $73.3 million at December 31, 2015, from $68.8 million at December 31, 2014.&#160;&#160;Consumer loans decreased $590,000, or 8.3%, from $7.1 million at December 31, 2014 to $7.7 million at December 31, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The investment portfolio decreased $19.5 million, or 8.4%, to $213.6 million at December 31, 2015, from $233.2 million at December 31, 2014.&#160;&#160;The decrease was primarily the result of declines in the mortgage-backed securities portfolio of $34.3 million, or 38.3%, and in the U.S. Treasury and Agency securities portfolio of $11.9 million, or 12.4%.&#160;&#160;&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Deposits</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;Total deposits increased $12.2 million, or 4.0%, to $317.0 million at December 31, 2015, from $304.8 million at December 31, 2014, as increases in core deposits offset a decrease in time deposits.&#160;&#160;Core deposits, which consist of all deposits other than time deposits, increased $21.0 million, or 9.5%, to $243.0 million at December 31, 2015 as compared with $222.1 million at December 31, 2014.&#160;&#160;Time deposit products, which include certificates of deposit, decreased $8.8 million, or 10.6%, </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">97</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">from $82.7 million at December 31, 2014, to $73.9 million at December 31, 2015.&#160;&#160;NBDC Bank has tried to lessen its dependency on more volatile and rate sensitive certificates of deposit and has focused more on growing core deposits, particularly savings and money market accounts.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Borrowings</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;FHLB borrowings were $4.5 million at December 31, 2015, a $20.2 million, or 81.8%, decrease over the $24.7 million at December 31, 2014 and consisted of overnight advances.&#160;&#160;Long-term debt, consisting of a term loan from a third party bank to Delaware to fund the branch acquisitions, declined from $12.0 million at December 31, 2014 to $11.8 million at December 31, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Equity</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;Shareholders&#8217; equity remained essentially unchanged at $21.1 million at December 31, 2015 and $21.3 million at December 31, 2014, reflecting an increase in other comprehensive loss of $507,000 and dividends paid of $370,000 which offset $591,000 in earnings.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Comparison of Results of Operations for the Years Ended December 31, 2015 and 2014</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">General</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.&#160;&#160;</font>For the year ended December 31, 2015, Delaware recorded net income of $591,000, or $0.64 per share, a decrease of $376,000, or 38.9%, compared to net income of $967,000, or $1.04 per share, for the year ended December 31, 2014.&#160;&#160;Delaware&#8217;s results of operations for the 2015 fiscal year were aided by a tax benefit of $565,000 compared to a tax benefit of $184,000 in 2014.&#160;&#160;Income before income taxes declined to $26,000 for the year ended December 31, 2015 from $783,000 for the year ended December 31, 2014.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Net Interest Income</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;Net interest income increased $1.1 million, or 14.9%, to $8.5 million for the year ended December 31, 2015, compared to $7.4 million for the year ended December 31, 2014 due to an increase in interest income partially offset by an increase in interest expense.&#160;&#160;The interest rate spread decreased to 2.45% for the year ended December 31, 2015, compared to 2.66% for 2014.&#160;&#160;The ratio of average interest-earning assets to average interest-bearing liabilities decreased slightly from 117.6% for the year ended December 31, 2014 to 116.7% for the year ended December 31, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Interest Income</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;Total interest income increased $1.6 million, or 16.8%, to $10.8 million compared to $9.3 million for 2014 due to the increased size of the investment portfolio after investing the deposits acquired in the branch acquisition.&#160;&#160;For the year ending December 31, 2015, average interest-earning assets increased $64.8 million, or 24.4%, to $330.6 million as compared with $265.8 million for the comparable period in 2014.&#160;&#160;The primary reason for the increase in average interest-earning assets was due to the growth in investments after investing the deposits from the branch acquisition.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Total loan income for the year ended December 31, 2015 was $5.3 million, a $269,000, or 5.3%, increase over the comparable 2014 period.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">For the twelve months ended December 31, 2015, total average investment securities increased $55.5 million, or 33.6%, as compared to the same period in 2014.&#160;&#160;The primary reason for </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">98</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the increase was due to the investment of the deposits acquired in the branch acquisition.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Interest Expense</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;Interest expense for the year ended December 31, 2015 totaled $2.3 million.&#160;&#160;This represents an increase of $452,000, or 24.3%, for the year compared to $1.9 million in 2014.&#160;&#160;The primary reason was due to an increase in the amount of interest paid on the term loan.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">For the year ending December 31, 2015, average interest-bearing liabilities increased $57.2 million or 25.3% to $283.3 million as compared with $226.1 million for 2014.&#160;&#160;The primary reason for the growth in average interest-bearing liabilities was due to the deposits acquired in the branch acquisition.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The FHLB average advance balance increased $.9 million, or 10.9%, to $9.1 million for the year ended December 31, 2015 from $8.2 million for the year ended December 31, 2014.&#160;&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following table presents information regarding average balances of assets and liabilities, as well as the total dollar amounts of interest income and dividends from average interest-earning assets and interest expense on average interest-bearing liabilities and the resulting average yields and costs.&#160;&#160;The yields and costs for the periods indicated are derived by dividing annual income or expense by the average balances of assets or liabilities, respectively, for the periods presented.&#160;&#160;For purposes of the below table, average balances have been calculated using the average of daily balances, and non<font style="FONT-WEIGHT: bold; DISPLAY: inline">-</font>accrual loans are included in average balances; however, accrued interest income has been excluded from these loans.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Average Balance, Interest Income and Expense, Average Yield and Rates</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="10" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="10" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Interest</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Average</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Interest</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Average</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Average</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Income/</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Interest</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Average</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Income/</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Interest</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Balance</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Expense</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Rate</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Balance</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Expense</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Rate</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="22" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Dollars in thousands)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-STYLE: italic; DISPLAY: inline">Interest-Earning Assets</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">109,809</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,343</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.87</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">97,799</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,074</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investment securities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Taxable</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">166,188</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,151</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">122,539</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,031</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tax-exempt</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">54,596</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,309</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.40</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">45,464</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,148</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.53</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;Total Securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">220,784</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,460</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">168,003</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,179</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.49</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;&#160;Total interest-earning assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">330,593</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,803</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.27</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">265,802</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9,253</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-STYLE: italic; DISPLAY: inline">Non-interest-earning assets:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash and due from banks</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,937</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,847</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">36,118</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30,061</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Less:&#160;&#160;allowance for loan losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,633</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,633</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total non-interest-earning assets</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">43,422</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">39,275</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total assets</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">374,015</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">305,077</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-STYLE: italic; DISPLAY: inline">Liabilities and stockholders' equity</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-STYLE: italic; DISPLAY: inline">Interest-bearing liabilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">251,783</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">992</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">204,310</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,013</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other borrowings</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31,529</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,321</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.19</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,760</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">848</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.90</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total interest-bearing liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">283,312</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,313</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.82</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">226,070</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,861</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.82</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total non-interest-bearing liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">69,339</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">58,988</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">352,651</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">285,058</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Stockholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,364</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">20,019</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total liabilities and stockholders'</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">374,015</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">305,077</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;equity</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net interest spread</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,490</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.45</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,392</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.66</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net interest margin</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.57</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">99</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Rate/Volume Analysis</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="12" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year Ended December 31, 2015</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Compared to 2014</font></div>
</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Dollars in Thousands)</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Increase (Decrease)</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Due to</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Net</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Volume</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Rate</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest Income:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;Loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">269</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">597</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(328</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;Investment Securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;Taxable</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,120</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,090</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;Tax Exempt</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">161</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">221</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(60</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,550</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,909</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(359</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="64%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest Expense:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;Deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">210</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(231</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;Other Borrowings</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">473</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">405</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">68</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">452</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">615</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(163</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net Interest Income</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,098</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,294</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(196</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Changes in interest due to volume and rate have been allocated by reference to changes in the average balances and the average interest rates of interest earning assets and interest bearing liabilities.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Interest Sensitivity Analysis</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">At December 31, 2015 Maturing or Repricing In</font>:</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Within</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4-12</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1-5</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Over</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Dollars in Thousands)</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3 Months</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Months</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Years</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">5 years</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest Earning Assets:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest bearing deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">504</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">504</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investment securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18,847</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15,385</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">110,210</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">71,464</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">215,906</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">28,906</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31,289</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">35,431</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19,773</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">115,399</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;Total interest-earning assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">48,257</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">46,674</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">145,641</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">91,237</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">331,809</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest bearing liabilities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest bearing demand</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">34,184</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">34,184</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Money market</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">44,552</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">44,552</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Savings</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">103,117</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">103,117</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Time deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,924</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27,115</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">33,295</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">245</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">71,579</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Borrowed funds</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,777</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,777</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;&#160;Total interest-bearing liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">199,554</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">27,115</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">33,295</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">245</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">260,209</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Period Gap</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(151,297</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19,559</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">112,346</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">90,992</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cumulative gap</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(151,297</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(131,738</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(19,392</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">71,600</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ratio of cumulative gap to total assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(40.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(35.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(5.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Assumptions:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">*Adjustable rate loans have been distributed among the categories by repricing dates.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">*Mortgage backed investments and loans do not take into account principal prepayments.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">100</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">*All transaction deposit accounts have been placed into the &#8220;within three months&#8221; category as they have no stated maturity and rates will adjust as market rates adjust.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">*All savings accounts have been placed in the &#8220;within three months&#8221; category.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Earnings are dependent on maintaining an adequate net interest yield or spread between rates earned on assets and the cost of interest-bearing liabilities.&#160;&#160;NBDC Bank must manage its interest rate sensitivity to maintain adequate spread during rising and declining interest rate environments.&#160;&#160;Decisions about which bonds to purchase are based upon factors such as term, yield and asset quality.&#160;&#160;Short term bonds enhance rate sensitivity but typically have lower yields.&#160;&#160;NBDC Bank&#8217;s investment strategy carries the majority of investments as maturing after the five-year period illustrated above.&#160;&#160;With the exception of local bonds which are held to maturity, all investments are held available for sale, which gives NBDC Bank the flexibility to sell in response to market changes.&#160;&#160;The money can then be used to fund loan growth or reinvested in bonds at the new interest rate.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Having a similar amount of assets repricing, or maturing, at or about the same time as liabilities reprice or mature, reduces interest rate risk.&#160;&#160;However, management recognizes certain trends and historical experiences for some products.&#160;&#160;Accounts such as savings, interest checking, and money market accounts are core deposits and do not have the same reaction to interest rate changes as time deposits do.&#160;&#160;These accounts tend to change according to cash flow and the transaction needs of NBDC Bank&#8217;s customers.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">According to the table, NBDC Bank has a negative gap position, which means liabilities will reprice faster than assets.&#160;&#160;When interest rates are rising, this will tend to reduce the interest spread and net interest income, and when rates are falling, interest spread and net income should increase.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Provisions for Loan Losses; Allowance for Loan Losses</font><font style="FONT-WEIGHT: bold; DISPLAY: inline">.</font>&#160;&#160;For the year ending December 31, 2015, Delaware recorded a provision for loan loss in the amount of $150,000, compared to $16,000 for the year ended December 31, 2014.&#160;&#160;The increase in the provision expense reflects an increase in the levels of delinquent loans and management&#8217;s analysis of economic conditions in NBDC Bank&#8217;s market areas.&#160;&#160;In addition, the increased provision reflects the strategy of growing the commercial real estate portfolio.&#160;&#160;These loans have a higher risk of default and loss than single-family residential mortgage loans because repayment of the loans often depends on the successful operation of a business or the underlying property.&#160;&#160;The allowance for loan losses as a percent of total loans was 1.45% at December 31, 2015, compared to 1.52% at December 31, 2014.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following table illustrates information related to NBDC Bank&#8217;s nonperforming assets at the dates indicated.&#160;&#160;NBDC Bank had no significant troubled debt restructurings or accruing loans past due 90 or more days at the dates presented.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">At December 31,</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">% Change</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Dollars in thousands)</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Nonaccrual loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">766</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">687</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other real estate owned</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">178</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">-100</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="64%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total nonperforming assets</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">766</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">865</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total nonperforming loans to total loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total nonperforming loans to total assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">To</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">tal nonperforming assets to total assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.23</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">-8.70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">101</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Other&#160;Income.</font>&#160;&#160;For the year ended December 31, 2015, non-interest income totaled $3.2 million, a $13,000, or 0.4%, decrease from 2014.&#160;&#160;The decrease was primarily the result of a $257,000, or 21.2%, decrease in gains on sale of securities and a $47,000, or 4.7%, decrease in other service charges and operating income, partially offset by a $272,000, or 37.3%, increase in service charges on deposit accounts.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Other Expenses.</font>&#160;&#160;For the year ended December 31, 2015, non-interest expense increased $1.7 million, or 17.3%, to $11.6 million as compared to $9.8 million for the year ending December 31, 2014.&#160;&#160;&#160;Salaries increased $745,000, or 23.0%, to $4.0 million for the year ended December 31, 2015 as compared with the same period in 2014, and employee benefits increased $242,000, or 19.2%, to $1.5 million for the year ended December 31, 2015 compared to $1.3 million for the year ended December 31, 2014.&#160;&#160;The primary reason for the increase was the increased staffing level due to the addition of six branches as a result of the branch acquisition, as well as increased benefit costs and merit increases for staff.&#160;&#160;Occupancy expenses increase to $923,000 from $645,000, an increase of $278,000, or 43.1%, due to the addition of six branches as a result of the branch acquisition.&#160;&#160;Other expenses increased $181,000, or 5.1%, primarily due to acquisition costs in connection with the branch acquisition.&#160;&#160;For the year ended December 31, 2015, FDIC insurance assessments were $234,000 as compared to $141,000 for the same period in 2014.<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Income Taxes.&#160;&#160;</font>Delaware recorded an income tax benefit for the year ended December 31, 2015 of $565,000, compared to an income tax benefit of $184,000 for the year ended December 31, 2014.&#160;&#160;The higher tax benefit in fiscal year 2015 is a reflection of the increase in the municipal bond portfolio which offsets taxable income.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SECURITY OWNERSHIP OF DIRECTORS, EXECUTIVE OFFICERS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">AND CERTAIN BENEFICIAL OWNERS OF DELAWARE</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As of ___________ __, 2016, no person is known to Delaware to be the beneficial owner of more than 5% of Delaware&#8217;s outstanding common stock.&#160;&#160;The following table provides information as of ___________ __, 2016 about the shares of Delaware common stock that may be considered to be beneficially owned by each director, each executive officer and all directors and executive officers of Delaware as a group.&#160;&#160;A person may be considered to beneficially own any shares of common stock over which he or she has, directly or indirectly, sole or shared voting or investment power.&#160;&#160;Unless otherwise indicated, each of the named individuals has sole voting power and sole investment power with respect to the number of shares shown.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">102</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="66%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Name of Beneficial Owner</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="20%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amount and Nature of</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Beneficial Ownership</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Percent of <br>
Class<font style="FONT-SIZE: 70%; FONT-FAMILY: times new roman; VERTICAL-ALIGN: text-top; DISPLAY: inline">(1)</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">James S. Stracuzzi</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">800</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Michael P. DeGroat</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,841</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Patrick R. Galloway</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,404</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Leonard A. Govern</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,800</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Meg Hungerford</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(3)</font></font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Douglas W. Sluiter</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,600</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Joel Smith</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,089</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Kathleen A. Suozzo</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15,744</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dawnette M. Hotaling</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Darlene B. Mirrer</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">140</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(4)</font></font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Laura E. Vail</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Amanda L. Hall</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">36</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">*</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="66%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Executive Officers and Directors as a group (12 persons)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="4%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="16%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">30,555</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">__________________________</font></div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 27pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">*</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Less than 1%.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 27pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based on 925,499 shares outstanding on __________, 2016.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 27pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Includes 3,400 shares owned jointly with his spouse.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 27pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Includes 1,301 shares held as custodian for minor children.</font></div>
</td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 27pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(4)</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Includes 140 shares owned jointly with her spouse.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ADJOURNMENT OF THE SPECIAL MEETING</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In the event that there are not sufficient votes to constitute a quorum or approve the adoption of the merger agreement at the time of the special meeting, the merger agreement may not be adopted unless the special meeting is adjourned to a later date or dates in order to permit further solicitation of proxies. In order to allow proxies that have been received by Delaware at the time of the special meeting to be voted for an adjournment, if necessary, Delaware has submitted the proposal on adjournment to its shareholders as a separate matter for their consideration. The board of directors of Delaware unanimously recommends that shareholders vote &#8220;<font style="FONT-WEIGHT: bold; DISPLAY: inline">FOR</font>&#8221; the adjournment proposal.&#160;&#160;If it is necessary to adjourn the special meeting, no notice of the adjourned special meeting is required to be given to shareholders (unless the adjournment is for more than 30&#160;days or if a new record date is fixed), other than an announcement at the special meeting of the hour, date and place to which the special meeting is adjourned.<a name="gmnh148"><!--EFPlaceholder--></a></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">EXPERTS</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The reports dated March 15, 2016, with respect to management&#8217;s assessment of internal control over financial reporting and the consolidated statement of condition of Norwood and subsidiary as of December&#160;31, 2015 and 2014, and the related consolidated statements of income, comprehensive income, changes in stockholders&#8217; equity, and cash flows for the three years ended December&#160;31, 2015 incorporated by reference herein, have been incorporated by reference in reliance upon the reports of S.R. Snodgrass, P.C., an independent registered public accounting firm, and upon the authority of said firm as experts in accounting and auditing.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The consolidated financial statements of Delaware and its subsidiaries included in this proxy statement/prospectus for the years ended December&#160;31, 2015 and 2014 have been so included in reliance on the report of Dannible &amp; McKee, LLP, independent auditors.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">103</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">LEGAL OPINIONS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Jones Walker LLP, Washington, D.C., and Cranmore FitzGerald &amp; Meaney will deliver prior to the effective time of the merger their opinions to Norwood and Delaware, respectively, as to certain United States federal income tax consequences of the merger.&#160;&#160;See &#8220;The Merger and the Merger Agreement &#8212; Material United States Federal Income Tax Consequences of the Merger&#8221; on page&#160;__.&#160;&#160;In addition, Jones Walker LLP, Washington, D.C., has given its opinion with respect to the validity of the shares of Norwood common stock to be issued in the merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">OTHER MATTERS</font></div>

<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As of the date of this proxy statement/prospectus, the Delaware board of directors does not know of any matters that will be presented for consideration at its special meeting other than as described in this document.&#160;&#160;However, if any other matter shall properly come before the special meeting or any adjournment or postponement thereof and shall be voted upon, the proposed proxies will be deemed to confer authority to the individuals named as authorized therein to vote the shares represented by the proxy as to any matters that fall within the purposes set forth in the notices of special meetings.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>The SEC allows Norwood to incorporate certain information into this document by reference to other information that has been filed with the SEC. The information incorporated by reference is deemed to be part of this document, except to the extent any information is superseded by information in this document. The documents that are incorporated by reference contain important information about the companies and you should read this document together with any other documents incorporated by reference in this document.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>This document incorporates by reference the following documents that have previously been filed with the SEC by Norwood (File No. 000-28364):</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Annual Report on Form 10-K for the year ended December 31, 2015 (including portions of Norwood&#8217;s definitive proxy materials for its 2016 annual meeting of shareholders filed with the SEC on March 24, 2016 and incorporated by reference therein);</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Current Reports on Form 8-K filed January 29, 2016, March 9, 2016 and March 10, 2016 (other than the portions of those documents not deemed to be filed); and</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 36pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8226;</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The description of Norwood&#8217;s common stock contained in its registration statement on Form 10 filed with the SEC on April 29, 1996 including any amendment or reports filed for the purpose of updating such description.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We also incorporate by reference any future documents we may file with the SEC pursuant to Section 13(a), 13(c), 14 or 15(d) of the Exchange Act, excluding any document or portion thereof that has been furnished to the SEC rather than filed, during the period between the filing of the registration statement and its effectiveness.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>In addition, Norwood is incorporating by reference any documents they may file under Section 13(a), 13(c), 14 or 15(d) of the Exchange Act after the date of this document and prior to the date of the special meeting of the Delaware shareholders, provided, however, that Norwood is not incorporating by reference any information furnished (but not filed), except as otherwise specified herein.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">104</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Norwood files annual, quarterly and special reports, proxy statements and other business and financial information with the SEC. You may obtain the information incorporated by reference and any other materials Norwood files with the SEC without charge by following the instructions in the section entitled "Where You Can Find More Information."</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Norwood has not authorized anyone to give any information or make any representation about the merger or the respective companies that is different from, or in addition to, that contained in this document or in any of the materials that have been incorporated into this document. Therefore, if anyone does give you information of this sort, you should not rely on it. If you are in a jurisdiction where offers to exchange or sell, or solicitations of offers to exchange or purchase, the securities offered by this document or the solicitation of proxies is unlawful, or if you are a person to whom it is unlawful to direct these types of activities, then the offer presented in this document does not extend to you. The information contained in this document speaks only as of the date of this document unless the information specifically indicates that another date applies.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">105</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">INDEX TO</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CONSOLIDATED FINANCIAL STATEMENTS OF DELAWARE</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="80%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Page</font></div>
</td>
</tr><tr>
<td valign="top" width="80%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Report of Independent Auditors</font></div>
</td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">F-1</font></div>
</td>
</tr><tr>
<td valign="top" width="80%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consolidated Balance Sheets as of December 31, 2015 and December 31, 2014</font></div>
</td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">F-3</font></div>
</td>
</tr><tr>
<td valign="top" width="80%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consolidated Statements of Income for the years ended December 31, 2015 and 2014</font></div>
</td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">F-4</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="80%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consolidated Statements of Comprehensive Income (Loss) for the years ended December</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160; 31, 2015 and 2014</font></div>
</td>
<td valign="top" width="1%">
<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;</font></div>
</td>
<td valign="top" width="4%">
<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">F-5</font></div>
</td>
</tr><tr>
<td valign="top" width="80%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consolidated Statements of Changes in Shareholders&#8217; Equity for the years ended December 31, 2015 and 2014</font></div>
</td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">F-6</font></div>
</td>
</tr><tr>
<td valign="top" width="80%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consolidated Statements of Cash Flows for the years ended December 31, 2015 and 2014</font></div>
</td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">F-7</font></div>
</td>
</tr><tr>
<td valign="top" width="80%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Notes to Consolidated Financial Statements</font></div>
</td>
<td valign="top" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;</font></div>
</td>
<td valign="top" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">F-8</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">106</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
<font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;<img src="del-auditorsltrhd.jpg" alt=""></font></div>

<div><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Independent Auditor&#8217;s Report on Consolidated Financial Statements</font></font></div>

<div>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">April 6, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Board of Directors and Shareholders</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;Delaware Bancshares, Inc.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Report on the Consolidated Financial Statements</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have audited the accompanying consolidated financial statements of Delaware Bancshares, Inc. and its subsidiary, which comprise the consolidated balance sheets as of December 31, 2015 and 2014, and the related consolidated statements of income, comprehensive income, changes in shareholders&#8217; equity, and cash flows for the years then ended, and the related notes to the consolidated financial statements.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Management&#8217;s Responsibility for the Financial Statements</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Management is responsible for the preparation and fair presentation of these consolidated financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of consolidated financial statements that are free from material misstatement, whether due to fraud or error.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Auditor&#8217;s Responsibility</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Our responsibility is to express an opinion on these consolidated financial statements based on our audits.&#160;&#160;We conducted our audits in accordance with auditing standards generally accepted in the United States of America.&#160;&#160;Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free from material misstatement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements.&#160;&#160;The procedures selected depend on the auditor&#8217;s judgment, including the assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or error.&#160;&#160;In making those risk assessments, the auditor considers internal control relevant to the entity&#8217;s preparation and fair presentation of the consolidated financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity&#8217;s internal control.&#160;&#160;Accordingly, we express no such opinion.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font size="3">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font size="3">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><img src="delauditorsfooter.jpg" alt=""></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font size="2" style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font size="3">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">An&#160;audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; FONT-STYLE: italic; DISPLAY: inline">Opinion</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Delaware Bancshares, Inc. and its subsidiary as of December 31, 2015 and 2014, and the results of their operations and their cash flows for the years then ended in accordance with accounting principles generally accepted in the United States of America.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: right; DISPLAY: block; TEXT-INDENT: 0pt"><img src="delauditorssig.jpg" alt=""><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Dannible &amp; McKee, LLP<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Syracuse, New York<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font size="3">&#160;</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font size="3">&#160;</font></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font size="3"><img src="delauditorsfoot-p2.jpg" alt=""></font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font size="2" style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div>&#160;</div>

<div>&#160;</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CONSOLIDATED BALANCE SHEETS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="50%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 1pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">December 31,</font></font></div>
</td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">ASSETS</font></div>
</td>
<td valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 1pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash and cash equivalents</font></div>
</td>
<td align="right" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">6,154</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">8,531</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investment securities:</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Held-to-maturity</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,412</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">863</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Available-for-sale</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">209,214</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">232,308</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL INVESTMENTS</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">213,626</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">233,171</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans:</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">115,704</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">102,808</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Less reserve for loan losses</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">(1,677</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">(1,561</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET LOANS</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">114,027</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">101,247</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Bank premises, furniture, and fixtures</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,200</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,597</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Bank owned life insurance</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">14,554</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,203</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrued interest receivable and other assets</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,343</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,848</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Goodwill and other intangibles</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">7,785</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">8,066</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL ASSETS</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">371,689</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">380,663</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">LIABILITIES</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits:</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Non-interest bearing</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">65,162</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">62,321</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest bearing</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">251,807</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">242,455</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL DEPOSITS</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">316,969</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">304,776</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Securities sold under agreements to repurchase</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,277</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,801</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrued interest payable, taxes and other liabilities</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,854</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,742</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Overnight advance from Federal Home Loan Bank</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,500</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24,750</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Long term debt</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,781</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12,000</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Junior subordinated debentures</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">8,248</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">8,248</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL LIABILITIES</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">350,629</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">359,317</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">COMMITMENTS AND CONTINGENCIES - NOTE 12</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">SHAREHOLDERS&#8217; EQUITY</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Common stock, $1.25 par value:</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Shares authorized:&#160;&#160;1,500,000</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Issued:&#160;&#160;1,076,811 in 2015 and 2014</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,346</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,346</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Additional paid-in capital</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,315</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,315</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Retained earnings</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">19,102</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18,881</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Less: Common stock in Treasury at cost,</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">151,312 shares in 2015 and 2014</font></div>
</td>
<td align="left" valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(4,716</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(4,716</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accumulated other comprehensive loss</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">(2,987</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">(2,480</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL SHAREHOLDERS&#8217; EQUITY</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">21,060</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">21,346</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="50%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL LIABILITIES AND</font></div>
</td>
<td valign="bottom" width="14%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="14%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="50%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 45pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">SHAREHOLDERS&#8217; EQUITY</font></div>
</td>
<td align="left" valign="bottom" width="14%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">371,689</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">380,663</font></font></td>
<td nowrap valign="bottom" width="14%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>&#160;</div>

<div>See notes to consolidated financial statements.</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CONSOLIDATED STATEMENTS OF INCOME</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(In Thousands of Dollars except Net Income per Share)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year Ended December 31,</font></div>
</td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INTEREST INCOME</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">5,343</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5,074</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investment securities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Taxable</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,151</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,031</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tax exempt</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">1,309</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">1,148</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL INTEREST INCOME</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">10,803</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">9,253</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INTEREST EXPENSE</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><a name="startingselection"><!--efplaceholder--></a>992</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,013</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Overnight advance from Federal Home Loan Bank</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">33</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Long-term debt</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">665</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">201</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Junior subordinated debentures</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">615</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">614</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL INTEREST EXPENSE</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2,313</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">1,861</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET INTEREST INCOME</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,490</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,392</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">PROVISION FOR LOAN LOSSES</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">150</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">16</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET INTEREST INCOME AFTER</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 45pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">PROVISION FOR LOAN LOSSES</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">8,340</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">7,376</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">OTHER INCOME</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Service charges on deposit accounts</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,002</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">730</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Income from bank owned life insurance</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">326</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">307</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other service charges and operating income</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">956</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,003</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net investment security gains on sale of</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;available-for-sale securities</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">956</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">1,213</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">3,240</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">3,253</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">11,580</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">10,629</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">OTHER EXPENSES</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Salaries</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,984</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,239</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Employee benefits</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,505</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,263</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Data processing and equipment expenses</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,563</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,032</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Occupancy expenses</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">923</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">645</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">FDIC assessments</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">234</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">141</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">3,345</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">3,526</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">11,554</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">9,846</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 5.05pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INCOME BEFORE INCOME TAXES</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">26</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">783</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 5.05pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INCOME TAX (BENEFIT) PROVISION</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">(565</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">(184</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 5.05pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET INCOME</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">591</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">967</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="60%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="17%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="60%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net income per share</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">.64</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">1.04</font></font></td>
<td nowrap valign="bottom" width="17%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">See notes to consolidated financial statements.<br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year Ended December 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net income:</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">591</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">967</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other comprehensive income (loss):</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Change in unrealized net gains (losses) on available-for-<br>
<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>sale securities, net of reclassification adjustments of $589&#160;<br>
<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>and $10 and tax of $(405) and $2,300 for 2015 and&#160;2014,&#160;</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>respectively</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(608</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,450</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Change in unrecognized loss on pension liability, net of tax&#160;<br>
<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>of $(52) and $(443) for 2015 and 2014, respectively</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(79</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(665</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Change in unrealized loss on interest rate swap, net of tax&#160;<br>
<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>of $120 and $122 for 2015 and 2014, respectively</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">180</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">184</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">(507</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">2,969</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0.55pt; TEXT-INDENT: 72pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">COMPREHENSIVE INCOME</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">84</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">3,936</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
See notes to consolidated financial statements.</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-5</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS&#8217; EQUITY</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">For the years ended December 31, 2015 and 2014</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Accumulated</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Additional</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Other</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Common</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="11%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Paid-in</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Retained</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Treasury</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Comprehensive</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Stock</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Capital</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Earnings</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Stock</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Income (Loss)</font></div>
</td>
<td valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Balance at January 31, 2014</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,346</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,315</font></div>
</td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18,516</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(4,716</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(5,449</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18,012</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net&#160;&#160;income</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">967</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">967</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other comprehensive income</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,969</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,969</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash dividends ($.65 per share)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(602</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(602</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Balance &#8211; December&#160;&#160;31, 2014</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,346</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,315</font></div>
</td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18,881</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(4,716</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(2,480</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,346</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net&#160;&#160;income</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">591</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">591</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other comprehensive loss</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(507</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(507</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash dividends ($.40 per share)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(370</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(370</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></div>
</td>
</tr><tr>
<td valign="bottom" width="39%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="7%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Balance at December 31, 2015</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,346</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,315</font></div>
</td>
<td colspan="2" valign="bottom" width="2%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">19,102</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(4,716</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(2,987</font></div>
</td>
<td align="left" valign="bottom" width="3%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">21,060</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
See notes to consolidated financial statements.</div>

<br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-6</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">CONSOLIDATED STATEMENTS OF CASH FLOWS</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Year ended December 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">OPERATING ACTIVITIES</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net income</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">591</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">967</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Adjustments to reconcile net income to net cash</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">provided by (used for) operating activities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Provision for loan losses</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">150</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Provision for depreciation and amortization</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">803</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">587</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Amortization (accretion) of investment security premiums</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,544</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,552</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deferred tax benefit</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(634</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net realized gains on securities</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(956</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,213</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Increase in accrued interest receivable</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(<font style="FONT-WEIGHT: bold; DISPLAY: inline">69</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(414</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Decrease in accrued interest payable</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Increase in other assets</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(503</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(627</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Increase in bank owned life insurance</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(351</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,232</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Increase (decrease) in other liabilities</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">419</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Decrease in deferred compensation</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">(128</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">(115</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET CASH PROVIDED BY (USED FOR) OPERATING ACTIVITIES</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">856</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">(585</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INVESTING ACTIVITIES</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Proceeds from maturities of held-to-maturity investment </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">securities</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">120</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,502</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Purchases of held-to-maturity investment securities</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(3,669</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(137</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Proceeds from maturities and sales of available-for-sale </font>investment securities</font></div>
</div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">117,991</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">48,071</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Purchases of available-for-sale investment securities</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(96,498</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(146,485</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Proceeds from (purchase of) Federal Home Loan Bank stock</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">821</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,056</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net increase in loans</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(12,771</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(4,924</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Purchases of bank premises, furniture, and fixtures</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(56</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(703</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Acquisition of Bank of America branches, net</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">78,658</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">NET CASH PROVIDED BY (USED FOR)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INVESTING ACTIVITIES</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">5,938</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">(25,074</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">FINANCING ACTIVITIES</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net increase in demand deposits, NOW accounts and&#160;&#160;savings&#160;accounts</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">20,985</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,555</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net decrease in certificates of deposit</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(8,793</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(9,091</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Increase (decrease) in securities sold under agreements to&#160;repurchase</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(524</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">108</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Overnight advance from (repayment to) Federal Home Loan&#160;Bank</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(20,250</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24,750</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Proceeds from (repayment to) long term debt net of debt issuance&#160;costs</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(219</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;11,330</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash dividends</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(370</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">)</font></font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-WEIGHT: normal; DISPLAY: inline">(833</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>NET CASH PROVIDED BY (USED FOR) FINANCING ACTIVITIES</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(9,171&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">)</font></font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-WEIGHT: normal; DISPLAY: inline">29,819</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(2,377</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">)</font></font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">4,160</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash and cash equivalents at beginning of year</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">8,531</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">4,371</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">CASH AND CASH EQUIVALENTS AT END OF YEAR</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">6,154</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">8,531</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div>&#160;</div>

See notes to consolidated financial statements.

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-7</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">1.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Summary of Significant Accounting Policies</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Business</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc. (the &#8220;Company&#8221;) provides a full range of banking services (primarily in Delaware and Sullivan County, New York) to individual and small business customers through its wholly owned subsidiary, National Bank of Delaware County (the &#8220;Bank&#8221;).&#160;&#160;The Bank is subject to intense competition from other financial institutions.&#160;&#160;The Company and the Bank are subject to the regulations of certain Federal agencies and undergo periodic examinations by those regulatory authorities.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Pursuant to the Agreement and Plan of Merger, dated May 15, 2007, by and between the Company and Stamford Bank Corp (Stamford), the Company acquired 100 percent of the outstanding stock of Stamford on November 9, 2007.&#160;&#160;The merger was a tax-free merger for the Company.&#160;&#160;The transaction was accounted for under the purchase method of accounting.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Further, pursuant to the Purchase and Assumption Agreement, dated March 31, 2014, by and between the Company and Bank of America, National Association, the Bank acquired six Bank of America branches located in Sullivan County on September 19, 2014, through the purchase of certain assets and the assumption of certain liabilities.&#160;&#160;The transaction was accounted for under the purchase method of accounting.&#160;&#160;See Note 14 for further discussion.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Basis of Financial Statement Presentation</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The consolidated financial statements include all accounts of the Company and the Bank, and have been prepared in accordance with accounting principles generally accepted in the United States of America.&#160;&#160;All significant intercompany balances and transactions have been eliminated in consolidation.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Use of Estimates</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In preparing the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses during the reporting period.&#160;&#160;Actual results could differ from those estimates.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Cash and Cash Equivalents</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Cash and cash equivalents include amounts due from banks.&#160;&#160;Cash balances held by other financial institutions in excess of the amount insured by the Federal Deposit Insurance Corporation are subject to credit risk.&#160;&#160;From time to time, amounts held by the Bank may exceed the insured amounts.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-8</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank is required to have $2,433,000 and $1,832,000 at December 31, 2015 and 2014, respectively, of cash on hand or on deposit with the Federal Reserve Bank in order to meet regulatory reserve and clearing requirements.&#160;&#160;The deposits with the Federal Reserve Bank do not earn interest.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Concentration of Credit Risk</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Most of the Bank&#8217;s business activity is with customers in the Bank&#8217;s market area.&#160;&#160;The majority of those customers are depositors of the Bank.&#160;&#160;Investments in state and local governmental securities primarily involve governmental entities within the Bank&#8217;s market area and other areas in New York State.&#160;&#160;The Bank, as matter of policy, does not extend credit to any single borrower, or group of related borrowers, in excess of 25 percent of primary capital as defined.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To reduce the credit risk associated with credit related financial instruments, the Bank might deem it necessary to obtain collateral.&#160;&#160;The amount and nature of the collateral obtained is based on the Bank&#8217;s credit evaluation of the customer.&#160;&#160;Collateral held varies, but may include cash, securities, accounts receivable, inventory, plant and equipment, and real estate.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Loans</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Loans are stated at the unpaid principal balance, less an allowance for loan losses and any deferred fees or costs on the originated loan.&#160;&#160;Interest income is accrued on the unpaid principal balance.&#160;&#160;Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Loans are determined to be past due based upon contractual terms.&#160;&#160;Certain loans are placed on nonaccrual status when payments become 90 or 120 days past due depending on the type of loan and related collateral.&#160;&#160;Loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful.&#160;&#160;Interest income generally is not recognized on specific impaired loans unless the likelihood of further loss is remote.&#160;&#160;Interest payments received on such loans are applied as a reduction of the loan principal balance.&#160;&#160;Interest income on other nonaccrual loans is recognized only to the extent of interest payments received after all principal has been collected.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Reserve for Loan Losses</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the reserve for loan losses.&#160;&#160;A substantial portion of the Bank&#8217;s loans are collateralized by real estate in the Bank&#8217;s market area of Delaware and Sullivan County, New York.&#160;&#160;Accordingly, the ultimate collectability of a substantial portion of the Bank&#8217;s loan portfolio is particularly susceptible to changes in market conditions in these areas.&#160;&#160;Management obtains appraisals for significant properties.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Management believes that the reserve for loan losses is adequate.&#160;&#160;The reserve is increased by provisions charged to operating expense and reduced by net charge-offs.&#160;&#160;While management uses available information to recognize losses on loans, future additions to the reserve may be necessary based on changes in economic conditions.&#160;&#160;In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank&#8217;s reserve for loan losses.&#160;&#160;Such agencies may require the Bank to recognize additions to the reserve based on their judgment of information available to them at the time of their examination.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-9</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In developing the reserve for loan losses, impaired loans are measured based on the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate or, as a practical expedient, at the loan&#8217;s observable market price or the fair value of the collateral if the loan is collateral dependent.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank&#8217;s allowance for possible loan losses consists of three elements: (1) specific allowances established for probable losses on specific loans, (2) general allocation calculated based on historical loan loss experience for similar loans with similar characteristics and trends, and (3) an allocation for classified loans using migration methodology based on the past eight quarters.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment Securities</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-STYLE: italic; DISPLAY: inline">Trading securities:</font> Trading securities are held for resale in anticipation of short-term market movements.&#160;&#160;The Bank has no securities classified as trading securities.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-STYLE: italic; DISPLAY: inline">Securities held-to-maturity and available-for-sale</font>: Management determines the appropriate classification of debt securities at the time of purchase.&#160;&#160;Debt securities are classified as held-to-maturity when the Company has the positive intent and ability to hold the securities to maturity.&#160;&#160;Held-to-maturity securities are stated at amortized cost.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Debt securities not classified as held-to-maturity are classified as available-for-sale.&#160;&#160;Available-for-sale securities are stated at fair value, with the unrealized gains and losses, net of tax, reported as a separate component of shareholders&#8217; equity.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The amortized cost of debt securities classified as held-to-maturity or available-for-sale is adjusted for the amortization of premiums and accretion of discounts to maturity, or, in the case of mortgage-backed securities, over the estimated life of the security.&#160;&#160;Such amortization is included in interest income from investments.&#160;&#160;Interest and dividends are also included in interest income from investments.&#160;&#160;Realized gains and losses and declines in value judged to be other-than-temporary are included in investment security gains (losses).&#160;&#160;The cost of securities sold is based on the specific identification method.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Securities with limited marketability, such as stock in the Federal Reserve Bank and the Federal Home Loan Bank, are carried at cost.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Bank to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Declines in fair value of individual held-to-maturity and available-for-sale securities below their cost that are other-than-temporary result in write-downs of the individual securities to their fair value.&#160;&#160;The related write-downs are included in earnings as realized losses or in comprehensive income as unrealized losses.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-10</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Securities Sold Under Agreements to Repurchase</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank sells certain securities under agreements to repurchase.&#160;&#160;The agreements are treated as collateralized financing transactions, and the obligations to repurchase securities are reflected as a liability in the accompanying consolidated balance sheets.&#160;&#160;The dollar amount of securities underlying the agreements remains in the asset accounts.</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Bank Premises, Furniture, and Fixtures</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Bank premises, furniture, and fixtures are stated at cost, less an allowance for depreciation, which is computed using the straight-line method over the estimated useful lives of the assets.&#160;&#160;Interest is capitalized as part of the cost of premises during periods of construction.&#160;&#160;Repairs and maintenance are charged to expense as incurred, whereas betterments are capitalized.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Bank Owned Life Insurance</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Bank owned life insurance (BOLI) was purchased as a financing tool to fund certain employee benefits.&#160;&#160;The advantages of life insurance financing are the tax-preferred status of the increase in life insurance cash values and the death benefits and cash flow generated at the death of the insured.&#160;&#160;BOLI is stated on the Bank&#8217;s balance sheets at its current surrender value.&#160;&#160;The cash surrender value is subject to credit risk and is dependent on the financial condition of the insurance carriers.&#160;&#160;Increases in BOLI&#8217;s cash surrender value are reported in the Bank&#8217;s income.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Other Real Estate Owned</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Real estate properties acquired through, or in lieu of, loan foreclosure are initially recorded at the lower of the Bank&#8217;s carrying amount or fair value less estimated selling costs.&#160;&#160;Any losses based on the asset&#8217;s fair value at the date of acquisition are charged to the reserve for loan losses.&#160;&#160;After foreclosure, these assets are carried at the lower of their new basis or fair value less cost to sell.&#160;&#160;Costs incurred in maintaining foreclosed real estate and subsequent adjustments to the carrying amount of the property, based on periodic evaluations by management, are included in other noninterest expenses.&#160;&#160;There were no transfers to other real estate owned in 2015.&#160;&#160;Loan foreclosures, net of charge-offs, transferred to other real estate owned were approximately $82,000 in 2014.&#160;&#160;The Bank received approximately $162,000 and $402,000 in proceeds from the sale of other real estate owned in 2015 and 2014, respectively.&#160;&#160;Approximately $17,000 and $81,000 was written off to other noninterest expense during 2015 and 2014, respectively.&#160;&#160;There was no other real estate owned at December 31, 2015.&#160;&#160;Other real estate owned amounted to $178,000 at December 31, 2014.&#160;&#160;This is included in accrued interest and other assets on the consolidated balance sheets.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Goodwill and Other Intangibles</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Goodwill represents the excess of the cost of the business acquired over the fair value of the net assets acquired.&#160;&#160;Goodwill is not amortized, but is reviewed for potential impairment if events or circumstances indicate a potential impairment.&#160;&#160;The Bank has determined that there are no events or circumstances that would indicate an impairment of goodwill at December 31, 2015.&#160;&#160;Goodwill was approximately $6,322,000 at December 31, 2015 and 2014.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Intangible assets are acquired assets that lack physical substance, but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset or liability.&#160;&#160;The Company&#8217;s other intangible assets relate to core deposits.&#160;&#160;Core deposits associated with the Stamford purchase were recorded at the original cost of approximately $3,292,000.&#160;&#160;The core </font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-11</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">deposit intangible is amortized on an accelerated basis over its estimated useful life of 13 years.&#160;&#160;Amortization expense related to this intangible asset was $211,046 and $247,225 in 2015 and 2014, respectively.&#160;&#160;Accumulated amortization was approximately $2,779,700 and $2,568,700 at December 31, 2015 and 2014, respectively.</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Core deposits associated with the 2014 Bank of America purchase is approximately $1,037,000. This core deposit intangible is being amortized on a straight-line basis over its estimated useful life of 15 years.&#160;&#160;Amortization expense related to this intangible asset was $69,161 and $17,290 in 2015 and 2014, respectively.&#160;&#160;Accumulated amortization was approximately $86,500 and $17,300 at December 31, 2015 and 2014, respectively.</font></div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The estimated aggregate future amortization expense remaining as of December 31, 2015, is as follows (in thousands of dollars):</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2016</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">244</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2017</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">208</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2018</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">172</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2019</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">135</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2020</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 17.1pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2021 and thereafter</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">605</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">1,463</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Income Taxes</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Income taxes are provided for the tax effects of transactions reported in the consolidated financial statements and consist of taxes currently due plus the change in deferred taxes.&#160;&#160;The Company computes deferred taxes using the liability method, whereby deferred income taxes are determined based on differences between the financial reporting and income tax basis of assets and liabilities related primarily to loan loss provision, bank premises, furniture, and fixtures, accrued compensation liabilities, and certain differences associated with the purchase of Stamford and Bank of America branches.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Deferred tax assets and liabilities represent the future tax return consequences of those differences, which will either be taxable or deductible when the assets and liabilities are recovered or settled.&#160;&#160;Deferred taxes are also recognized for operating loss carryforwards that are available to offset future taxable income and tax credits that are available to offset future income&#160;taxes.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Deferred income taxes are recorded using currently enacted income tax rates applicable to the period in which the deferred tax asset or liability is expected to be realized or settled.&#160;&#160;As changes in tax laws are enacted, deferred income taxes are adjusted through the provision for income taxes in the year of change.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Pursuant to the Financial Accounting Standards Board (FASB) authoritative guidance on accounting for uncertainty in income taxes, the Company has reviewed its operations for uncertain tax positions and believes there are no significant exposures.&#160;&#160;The Company will include interest on income tax liabilities in interest expense and penalties in operations if such amounts arise.&#160;&#160;The Company is no longer subject to Federal and New York State examinations by tax authorities for years before 2012.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-12</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Advertising Costs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Company expenses advertising costs as incurred.&#160;&#160;Advertising expense was approximately $354,000 and $209,000 in 2015 and 2014, respectively.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Per Share Amounts</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Earnings per share are computed based on the weighted average number of shares outstanding, which were 925,499 in both 2015 and 2014.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair Value Disclosures</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The FASB authoritative guidance on fair value measurements for financial assets and liabilities, defines fair value, establishes a framework for measuring fair value in accordance with accounting principles generally accepted in the United States of America, and requires certain disclosures about fair value measurements.&#160;&#160;See Note&#160;11&#160;-&#160;Fair Value Disclosures.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">FASB authoritative guidance on disclosures about fair value of financial instruments requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet.&#160;&#160;The guidance excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements.&#160;&#160;Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Bank.&#160;&#160;See Note 11&#160;-&#160;Fair Value Disclosures.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Off-Balance-Sheet Financial Instruments</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In the ordinary course of business, the Bank has entered into off-balance-sheet financial instruments consisting of commitments to extend credit and standby letters of credit.&#160;&#160;Such financial instruments are recorded in the consolidated financial statements when they are funded or related fees are incurred or received.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Comprehensive Income</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank reports comprehensive income in accordance with FASB authoritative guidance on reporting comprehensive income.&#160;&#160;The guidance establishes standards for reporting and presentation of comprehensive income and its components in a full set of financial statements.&#160;&#160;Comprehensive income includes all changes in shareholders&#8217; equity except those arising from transactions with shareholders.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Included in other comprehensive income (loss) are unrealized gains and (losses) on available-for-sale securities, unrecognized actuarial losses, and an unrealized loss on an interest rate swap, all of which are reflected in the accompanying consolidated financial statements net of deferred income taxes.&#160;&#160;Accumulated other comprehensive loss includes unrealized holding gains (losses) on securities of approximately $(1,049,000) and $(441,000) net of taxes of $(699,000) and $(294,000) at December 31, 2015 and 2014, respectively, a pension liability adjustment of approximately $(1,603,000) and $(1,524,000) net of taxes of $(1,068,000) and $(1,016,000) at December 31, 2015 and 2014, respectively, and unrealized losses in the fair value of an interest rate swap of approximately $(334,000) and $(514,000) net of taxes of $(223,000) and $(343,000) at December 31, 2015 and 2014, respectively.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Subsequent Events</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Management has evaluated subsequent events through April 6, 2016, the date which the consolidated financial statements were available for issue.</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-13</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood Financial Corp., the holding company for Wayne Bank, and Delaware Bancshares, Inc., the holding company for NBDC Bank, announced on March 10, 2016, the signing of a definitive merger agreement pursuant to which Norwood Financial Corp. will acquire Delaware Bancshares, Inc. in a stock and cash transaction.&#160;&#160;Under the terms of the merger agreement, which has been unanimously approved by the Board of Directors of both companies, Norwood Financial Corp. will acquire all of the outstanding shares of Delaware Bancshares, Inc. for a total purchase price of approximately $15.4 million.&#160;&#160;In addition, NBDC Bank will merge with and into Wayne Bank, with Wayne Bank as the surviving bank.&#160;&#160;Pursuant to the terms of the merger agreement, shareholders of Delaware Bancshares, Inc. will have the opportunity to elect to receive for each share of Delaware Bancshares, Inc. common stock they own, either 0.6221 shares of Norwood Financial Corp. common stock or $16.68 in cash or a combination of both.&#160;&#160;All shareholder elections will be subject to the allocation and proration procedures set forth in the merger agreement which are intended to ensure that, in the aggregate, 75% of the aggregate merger consideration will consist of Norwood Financial Corp. common stock and 25% will consist of cash.&#160;&#160;The price represents 116.3% of Delaware's tangible book value at December 31, 2015, 26.1 times Delaware's 2015 earnings per share and a 0.8% core deposit premium.&#160;&#160;The transaction is expected to be a tax-free exchange for shareholders of Delaware Bancshares, Inc. receiving stock.&#160;&#160;The merger agreement is subject to regulatory and shareholder approval.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">2.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment Securities</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following is a summary of held-to-maturity and available-for-sale securities:</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Held-to-Maturity Securities</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amortized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cost</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gains</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Losses</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Obligations of states and</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">political subdivisions</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgaged backed securities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL HELD-TO-MATURITY</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">SECURITIES</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,412</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,412</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="51%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom" width="48%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Available-for-Sale Securities</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="51%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="51%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amortized</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="51%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cost</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gains</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Losses</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="51%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom" width="48%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">U.S. Treasury securities and</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">obligations of U.S. Government</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">agencies and corporations</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">85,246</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(1,012</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">84,309</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Obligations of states and</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">political subdivisions</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">58,489</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">478</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(202</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">58,765</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgaged backed securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">56,066</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(882</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">55,195</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other securities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,162</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(217</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">10,945</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL AVAILABLE-FOR-</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">210,963</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">564</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(2,313</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">209,214</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="51%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 9pt"></font>SALE SECURITIES</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-14</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Held-to-Maturity Securities</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amortized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cost</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gains</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Losses</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Obligations of states and</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">political subdivisions</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">861</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">861</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgaged backed securities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">2</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL HELD-TO-MATURITY</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">SECURITIES</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">863</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">862</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="52%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom" width="47%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Available-for-Sale Securities</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gross</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-WEIGHT: bold">Estimated</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amortized</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cost</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Gains</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Losses</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="15" valign="bottom" width="47%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">U.S. Treasury Securities and</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">obligations of U.S. Government</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">agencies and corporations</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-WEIGHT: normal">$</font></font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">97,109</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">364</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1,225</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">96,248</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: normal">Ob</font>ligations of states and</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">political subdivisions</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">44,542</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">196</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(323</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">44,415</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgaged backed securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">89,203</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">484</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;(220</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;89,467</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other securities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">2,189</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;(11</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;2,178</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL AVAILABLE-FOR-</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 9pt"></font>SALE SECURITIES</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">233,043</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">1,044</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1,779</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">232,308</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The amortized cost and estimated fair value of investments in debt securities at December 31, 2015, by contractual maturity, are shown below.&#160;&#160;Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amortized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Estimated</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cost</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Held-to-Maturity</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due in one year or less</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,944</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,944</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due after one year through five years</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">922</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">922</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due after five years through ten years</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">252</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">252</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due after ten years</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">293</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">293</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,411</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgaged backed securities</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,412</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,412</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-15</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amortized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Estimated</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cost</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Available-for-Sale</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due in one year or less</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due after one year through five years</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,484</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,462</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due after five years through ten years</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">96,755</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">96,089</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Due after ten y ears</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">49,557</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">49,367</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">154,897</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">154,019</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgaged backed securities</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">56,066</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">55,195</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">210,963</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">209,214</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank had net realized gains on securities called by the issuer or sold of approximately $956,000 and $1,213,000 in 2015 and 2014, respectively.&#160;&#160;The tax expense applicable to these net realized gains was approximately $382,000 and $485,000 in 2015 and 2014, respectively.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Investment securities having a book value of $109,070,100 were pledged to secure public fund deposits at December 31, 2015.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following tables show the investments gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2015 and 2014.</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><br>
&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Less than 12 Months</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">12 Months or More</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Loss</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Loss</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Loss</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="22" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">U.S. Treasury securities</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">and obligations of U.S.</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Government agencies</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">and corporations</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">33,422</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(326</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">36,857</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(686</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">70,279</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(1,012</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Obligations of states and</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">political subdivisions</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">5,704</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(100</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">12,225</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(102</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">17,929</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(202</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgaged backed securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">38,325</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(645</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">13,817</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(237</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">52,142</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(882</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other securities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">10,934</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(217</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">10,934</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(217</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL TEMPORARILY</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;IMPAIRED SECURITIES</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">88,385</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(1,288</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">62,899</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(1,025</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">151,284</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(2,313</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
</tr></table>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-16</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
&#160;

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Less than 12 Months</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">12 Months or More</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unrealized</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Loss</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Loss</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Loss</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="22" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">U.S. Treasury securities</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">and obligations of U.S.</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Government agencies</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">and corporations</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">11,899</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(109</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">46,648</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1,116</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">58,547</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1,225</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Obligations of states and</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">political subdivisions</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">6,852</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(29</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">17,892</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(294</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">24,744</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(323</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgage backed securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">20,485</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(98</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">8,251</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(122</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">28,736</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(220</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other securities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">2,168</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(11</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></font></div>
</div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">2,168</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(11</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">TOTAL TEMPORARILY</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;IMPAIRED SECURITIES</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">41,404</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(247</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">72,791</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1,532</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">114,195</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(1,779</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">)</font></td>
</tr></table>
</div>

<br>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">At December 31, 2015, the Bank had 123 debt securities with unrealized losses in the above table.&#160;&#160;These unrealized losses relate principally to changes in interest rates.&#160;&#160;In analyzing an issuer&#8217;s financial condition, management considers whether the securities are issued by the Federal government or its agencies, whether downgrades by bond rating agencies have occurred, and industry analysts&#8217; reports.&#160;&#160;As management has the ability to hold debt securities until maturity, or for the foreseeable future if classified as available-for-sale, no declines are deemed to be other-than-temporary.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">3.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Loans</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The loan portfolio at December 31, 2015 and 2014, is summarized as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="right">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Real estate mortgages:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Residential</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">73,262</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">68,797</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Commercial</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">21,401</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,890</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Farm</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,622</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,125</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans to farmers</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,500</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,100</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,201</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,768</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Installment loans to individuals</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">7,718</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">7,128</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">115,704</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">102,808</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The loan portfolio includes certain loans, which are considered impaired because, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreements.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-17</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Following is a summary of nonaccrual loans and impaired loans as of December&#160;31,&#160;2015 and 2014, by class of financing receivables (in thousands of dollars):</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Nonaccrual Loans</font></font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">36</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">262</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Real Estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Residential</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">730</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">417</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">766</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">687</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Impaired Loans as of December 31, 2015</font></font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recorded</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unpaid</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Principal</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Balance</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Related</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Allowance</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Average</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recorded</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Interest</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Income</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recognized</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial- Real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">691</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">691</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">713</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,131</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,131</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">95</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">557</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">557</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">565</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">188</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">188</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">202</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Residential</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,047</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,047</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,052</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">62</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,614</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,614</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">147</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,633</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">213</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Impaired Loans as of December 31, 2014</font></font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recorded</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unpaid</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Principal</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Balance</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Related</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Allowance</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Average</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recorded</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Interest</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Income</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recognized</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial- Real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">682</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">682</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">723</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">502</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">502</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">515</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">241</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">241</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">261</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Residential</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">830</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">830</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">849</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">56</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,274</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,274</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">26</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,370</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">134</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-18</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">At December 31, 2015 and 2014, the allowance for loan losses and balance of financing receivables were composed of the following by portfolio segments:</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Estate</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&amp; Industrial</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Consumer</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Agricultural</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Allowance for loan losses -</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance December 31, 2015</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">840</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">557</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">184</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">96</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,677</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Individually evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">51</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">395</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">446</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Collectively evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">789</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">162</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">184</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">96</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,231</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Financing receivables ending balance</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">December 31, 2015</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">73,262</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">29,602</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">7,718</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">5,122</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">115,704</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance December 31, 2015:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Individually evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,047</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,239</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">328</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,614</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Collectively evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">72,215</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">27,363</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">7,718</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,794</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">112,090</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Estate</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&amp; Industrial</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Consumer</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Agricultural</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Allowance for loan losses -</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance December 31, 2014</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">769</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">492</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">209</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">91</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,561</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Individually evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">338</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">338</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Collectively evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">431</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">492</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">209</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">91</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,223</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Financing receivables ending balance</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">December 31, 2014</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">68,797</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">22,658</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,128</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,225</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">102,808</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance December 31, 2014:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Individually evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">830</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">689</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">743</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,274</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Collectively evaluated for impairment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">67,967</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">21,969</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,116</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,482</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100,534</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-19</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank has a seven grade system for loan classification.&#160;&#160;Loan officers are responsible for assigning the appropriate grade to each loan according to the characteristics of the loan and regulatory definitions.&#160;&#160;Assigning grades serves as a basis for determining the adequacy of the allowance for loan losses for the loan portfolio.&#160;&#160;The grades are as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Grade 1 &#8211; Superior: loans secured by cash collateral, historical cash flow provides strong coverage ratios, strong debt to worth, unblemished credit reports, strong personal financial statements;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Grade 2 &#8211; Satisfactory: similar characteristics to Grade 1, however, earnings are less satisfactory then superior, balance sheet is slightly leveraged, industry stable, payment history is good,&#160;&#160;trends are generally positive;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Grade 3 &#8211; Pass/Watch: good collateral values, business may have experienced small losses, collateral values may be more important, slow payments;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Grade 4 &#8211; Special Mention: a potential weakness in credit that deserves management&#8217;s attention and, that left uncorrected, could deteriorate the prospects of repayment; collateral may have a potential weakness;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Grade 5 &#8211; Substandard: &#8220;well defined weakness&#8221; in cash flow, credit history, repayment or deterioration of collateral, there is a possibility that the Bank may sustain a loss if deficiencies are not addressed or corrected;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Grade 6 &#8211; Doubtful: loans must be placed on nonaccrual due to inherent weakness in the asset, possibility of loss is extremely high, collection or liquidation in full is unlikely; and</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Grade 7 &#8211; Loss: assets which are uncollectible or have little or no value.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-20</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">For purposes of establishing the allowance for loan losses, financing receivables are classified by an internally assigned grade.&#160;&#160;Following is a summary of loans by credit quality and class as of December&#160;31,&#160;2015 and 2014:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="16%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;Real Estate</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; DISPLAY: inline">Commercial Non</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Agricultural</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Agricultural</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Non</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Residential</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Consumer</font></div>
</td>
<td align="left" colspan="2" valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
</tr><tr>
<td valign="bottom" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="26" valign="bottom" width="82%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015:</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Uncriticized</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">19,662</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,533</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,022</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,189</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">71,992</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">7,718</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">110,116</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Special Mention</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-WEIGHT: bold">&#160;</font></font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,048</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">537</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">43</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">122</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">223</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,973</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Substandard</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">691</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,131</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">557</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">189</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,047</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,615</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Doubtful</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Loss</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">21,401</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,201</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,622</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,500</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">73,262</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">7,718</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">115,704</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;Real Estate</font></div>
</td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-SIZE: 10pt; DISPLAY: inline">Commercial Non</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Agricultural</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Agricultural</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Non</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Residential</font></div>
</td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Consumer</font></div>
</td>
<td align="left" colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="26" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014:</font></div>
</td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Uncriticized</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13,219</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,042</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,577</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">846</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">67,564</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,116</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">98,364</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Special Mention</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">989</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">719</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">46</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">13</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">403</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,170</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Substandard</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">682</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">502</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">241</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">830</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,274</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Doubtful</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Loss</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></font></div>
</div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="16%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,890</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,768</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,125</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,100</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">68,797</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,128</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">102,808</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-21</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Financing receivables aged by class are as follows at December&#160;31,&#160;2015:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="22%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">30-59 <br>
Days <br>
Past Due</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">60-89 <br>
Days <br>
Past Due</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Greater <br>
than 90 <br>
Days</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Past Due</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Current</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total<br>
Loans</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recorded</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment<br>
&gt; 90 Days<br>
Accruing</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="26" valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">256</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">36</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">292</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">21,109</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">21,401</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,201</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,201</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">51</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">51</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,571</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,622</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,500</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,500</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">&#160;</font> </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Residential</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">590</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">196</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">447</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,233</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">72,029</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">73,262</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">&#160;</font> </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">46</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">57</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">7,661</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">7,718</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">&#160;</font> </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">943</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">207</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">483</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,633</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">114,071</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">115,704</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">&#160;</font> </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-22</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Financing receivables aged by class are as follows at December&#160;31,&#160;2014:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="22%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">30-59</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;Days </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Past Due</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">60-89 </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Days </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Past Due</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Greater </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">than 90 </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Days</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Past Due</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Current</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Loans</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Recorded</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Investment</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&gt; 90 Days</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Accruing</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="26" valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">262</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">262</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,628</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,890</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commercial &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">109</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">109</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,659</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,768</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">53</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">53</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,072</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,125</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agricultural &#8211; Non real estate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,100</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,100</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Residential</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,358</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">71</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">417</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,846</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">66,951</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">68,797</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">82</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">93</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,035</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,128</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="22%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 27pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,602</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">74</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">687</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,363</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100,445</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">102,808</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-23</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">4.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Reserve for Loan Losses</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Changes in the reserve during the years ended December 31, 2015 and 2014, are summarized as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Residential</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Consumer</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">December 31, 2015</font></font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Beginning balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">48</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">535</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">769</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">209</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,561</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Provision for credit losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">20</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">52</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">66</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">12</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">150</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal">N</font>e</font>t charge-offs:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Charge-offs</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(57</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(64</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal"><font style="FONT-WEIGHT: normal">R</font>e</font>c</font>overies</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">7</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">20</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">30</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: normal">N</font>et charge-offs</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(5</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">5</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(37</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(34</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">71</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">582</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">840</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">184</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,677</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commercial</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Real Estate</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Residential</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Consumer</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">December 31, 2014</font></font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Beginning balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">68</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">552</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">863</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">197</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,680</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Provision for credit losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net charge-offs:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Charge-offs</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(112</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(199</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Recoveries</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">25</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">29</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">64</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net charge-offs</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(22</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(19</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(105</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(135</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ending balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">48</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">535</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">769</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">209</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,561</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 145.8pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Despite the above allocations, the allowance for credit losses is general in nature and is available to absorb losses from any loan.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-24</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">5.&#160;&#160;&#160;&#160;&#160;&#160;Deposits</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The deposit portfolio at December 31 is summarized as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Demand</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">65,162</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">62,321</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Interest-bearing checking</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">34,334</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">32,965</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Savings</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">102,982</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">92,245</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Money market deposit accounts</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">40,563</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">34,525</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Time</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">73,928</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">82,720</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">316,969</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">304,776</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank paid approximately $1,050,000 and $1,062,000 in interest on deposits during 2015 and 2014, respectively.&#160;&#160;Certificates of deposit of $100,000 or more amounted to approximately $30,000,000 and $31,000,000 at December 31, 2015 and 2014, respectively.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Time deposits at December 31, 2015, are scheduled to mature as follows (in thousands of dollars):</font></div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="88%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2016</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">44,994</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2017</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">14,121</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2018</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,308</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2019</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,841</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2020</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,664</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">73,928</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">6.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Bank Premises, Furniture, and Fixtures</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Bank premises, furniture, and fixtures, stated at cost less allowances for depreciation, are comprised of the following at December 31:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Land and bank premises</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,835</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,824</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Furniture and fixtures</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,747</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,702</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,582</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,526</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Allowances for depreciation</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(2,382</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,929</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,200</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,597</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Depreciation expense, included in other expenses, is summarized as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Bank premises</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">104</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 18pt"></font>Furniture and fixtures</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">356</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">183</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">453</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">287</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-25</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">7.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Securities Sold Under Agreements to Repurchase</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: -2.15pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Information concerning securities sold under agreements to repurchase as of and for the years ended December 31 is summarized as follows:</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: -2.15pt; TEXT-INDENT: 0pt" align="justify"><br>
&#160;</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Average balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,263</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,134</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Maximum month-end balance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,859</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,150</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Carrying amounts of securities, including accrued <br>
</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">interest underlying the agreements</font></font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;2,979</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,661&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 2.9pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; DISPLAY: inline">Securities sold under agreements to repurchase, all of which remain under the control of the Bank, generally mature in less than 90 days from the transaction da</font>te.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">8.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Overnight Advance From Federal Home Loan Bank</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank has an Overnight Advance Program that allows the Bank to borrow up to its maximum borrowing capacity, which cannot exceed 30 percent of total assets assuming there is sufficient collateral.&#160;&#160;The Bank&#8217;s investment in FHLB stock and other assets, primarily mortgage loans, are pledged collateral under the agreement up to the amount of any borrowings under this program.&#160;&#160;There was $4,500,090 and $24,750,000 outstanding at December 31, 2015 and 2014, respectively.&#160;&#160;At December 31, 2015, the advance bears interest at .56 percent.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">9.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Junior Subordinated Debentures</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 2.7pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In 2007, the Company issued $8,248,000 of junior subordinated debentures to Delaware Bancshares Capital Trust I (the &#8220;Trust&#8221;) in exchange for $8,000,000 in proceeds of trust preferred securities issued by the Trust and 248 shares of common securities of the Trust at $1,000 per share.&#160;&#160;The junior subordinated debentures are included in long-term debt, and the Company&#8217;s equity interest in the Trust is included in other assets.&#160;&#160;The Company incurred $240,000 of debt issuance costs, which were deferred and are being amortized over the life of the&#160;debt.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 2.7pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The junior subordinated debentures pay interest quarterly at LIBOR plus 2.4 percent.&#160;&#160;The debentures are redeemable on or after January 1, 2013, and any January 1, April 1, July 1 or October 1 thereafter.&#160;&#160;Redemption is mandatory on January 1, 2038.&#160;&#160;The Company guarantees the trust preferred securities through the combined operation of the junior subordinated debentures and other related documents.&#160;&#160;The Company&#8217;s obligation under the guarantee is unsecured and subordinate to senior and subordinated indebtedness of the Company.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During 2007, the Bank entered into an interest rate swap agreement and, at the same time, entered into a back-to-back swap agreement with the Company.&#160;&#160;The swap agreement is considered a derivative instrument with a financial institution.&#160;&#160;The Bank designated this derivative instrument as a cash flow hedge as defined under FASB authoritative guidance on accounting and disclosures about derivative instruments and hedging activities.&#160;&#160;The objective of this instrument is to limit the Bank&#8217;s exposure to the effects of changes in interest rates on its variable rate debt.&#160;&#160;The fair value of this derivative instrument was a liability of $556,915 and $857,661 at December 31, 2015 and 2014, respectively.&#160;&#160;The change in the fair value of this </font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-26</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">instrument is recorded as a component of other comprehensive income (loss).&#160;&#160;The instrument was settled, as outlined in the agreement, which resulted in additional payments of approximately $389,000 and $393,000 in 2015 and 2014, respectively.&#160;&#160;These additional payments were recorded as a component of interest expense.&#160;&#160;In addition, this instrument effectively changed the&#160;Company&#8217;s interest rate exposure on its hedged variable rate debt from 2.74 percent to 7.45&#160;percent for 2015 and from 2.67 percent to 7.44 percent for 2014.&#160;&#160;The agreement is effective through October 2017.&#160;&#160;The Bank is exposed to credit risk in the event of non-performance by the financial institution.&#160;&#160;As part of the swap agreement, the Bank is required to maintain a collateral account with the issuing financial institution.&#160;&#160;At December 31, 2015 and 2014, this collateral account was approximately $2,048,000 and is included in other assets.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">10.&#160;&#160;Long-Term Debt</font></div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Company borrowed $12,000,000 in 2014 on a term loan from another banking institution.&#160;&#160;The term of the loan is eleven years, interest only payments due within the first year.&#160;&#160;The loan bears interest at 5.5 percent for the first six years.&#160;&#160;For the five year period of the loan following the initial six years, the interest will be adjusted to a fixed rate equal to 4 percent above the weekly interest yield for five year U.S. Treasury Notes, provided that the interest rate on the loan cannot be less than 5.5 percent nor greater than 8.5 percent.&#160;&#160;The loan may be voluntarily prepaid in whole or part upon payment of a prepayment premium.&#160;&#160;The premium varies from 5 percent in year one and two; down to 1 percent in year six.&#160;&#160;After year six, there is no prepayment premium. The Company will be required to make prepayments of principal whenever dividend payments to shareholders during any fiscal year exceed $.90 per share.&#160;&#160;The Company was required to pledge 100 percent of the outstanding shares of capital stock of the Bank.&#160;&#160;Subsequent to December 31, 2015, an amendment to the loan agreement was executed requiring the Company to pledge additional collateral by maintaining a deposit account of $1,500,000 at the other banking institution.&#160;&#160;The Company incurred approximately $670,000 of debt issuance costs, which were deferred and are being amortized over the life of the debt.&#160;&#160;The Company is required to meet certain financial ratios and to comply with various restrictive covenants associated with this debt.&#160;&#160;The Company believes they are in compliance with various ratios and covenants or have obtained waivers for any instance of non-compliance as of December 31, 2015.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Future minimum payments subsequent to 2015 are as follows (in thousands of dollars):</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="88%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2016</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">350</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2017</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">370</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2018</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">391</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2019</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">413</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2020</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">436</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2021 and thereafter</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">9,821</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11,781</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">11.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Fair Value Disclosures</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">FASB authoritative guidance on fair value measurements provides a framework for measuring fair value under accounting principles generally accepted in the United States of America.&#160;&#160;The guidance applies to all financial instruments that are being measured and reported on a fair value&#160;basis.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-27</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As defined in the guidance, fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.&#160;&#160;In determining fair value, the Bank uses various methods, including market, income, and cost approaches.&#160;&#160;Based on these approaches, the Bank often utilizes certain assumptions that market participants would use in pricing the asset or liability, including assumptions about risk and/or the risks inherent in the inputs to the valuation technique.&#160;&#160;These inputs can be readily observable, market corroborated, or generally unobservable inputs.&#160;&#160;The Bank utilizes valuation techniques that maximize the use of observable inputs and minimize the use of unobservable inputs.&#160;&#160;Based on the observability of the inputs used in the valuation techniques, the Bank is required to provide the following information according to the fair value hierarchy.&#160;&#160;The fair value hierarchy ranks the quality and reliability of the information used to determine fair values.&#160;&#160;Financial assets and liabilities carried at fair value will be classified and disclosed in one of the following three categories:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Level 1 - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div>
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></font></div>
</div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly.&#160;&#160;These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 36pt; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; DISPLAY: inline" face="Symbol, serif">&#183;</font></div>
</td>
<td>
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Level 3 - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity&#8217;s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Financial assets and financial liabilities measured at fair value on a recurring basis include the following:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Securities available-for-sale: The Bank&#8217;s securities available-for-sale are reported at fair value utilizing Level 2 inputs.&#160;&#160;For these securities, the Bank obtains fair value measurements from an independent pricing service.&#160;&#160;The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, credit information, and the bond&#8217;s terms and conditions, among other things.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Interest rate swap liability: The fair value of the interest rate swap was provided by the issuing entity using pricing models that use market observable inputs, therefore, it is valued using Level&#160;2 inputs.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Fair value at December 31, 2015 and 2014, for assets and liabilities measured on a recurring basis is as follows (in thousands of dollars):</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-28</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="24%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Quoted Market Price in</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Active Markets</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 1)</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Other</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Observable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 2)</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unobservable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 3)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="24%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="24%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Securities available-for-sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">209,214</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="24%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest rate swap liability</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">557</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: normal">&#160;</font> </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="24%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Quoted Market Price in</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Active Markets</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 1)</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Other</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Observable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 2)</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unobservable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 3)</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="24%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="24%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Securities available-for-sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="2%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="3%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">232,308</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="4%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="24%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest rate swap liability</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">858</font></div>
</td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="2%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">FASB authoritative guidance on disclosures about fair values of financial instruments requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis or nonrecurring basis.&#160;&#160;The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value on a recurring basis are discussed above.&#160;&#160;The methodologies for estimating the fair value of other financial assets and financial liabilities are discussed below.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Cash and cash equivalents - The carrying amounts reported in the balance sheets for cash and cash equivalents approximate those assets&#8217; fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Held-to-maturity securities - Fair values for held-to-maturity securities are based on quoted market prices, dealer quotes or a correspondent bank pricing system.&#160;&#160;The fair value of investment securities is the market value based on quoted market prices, when available, or market prices provided by recognized broker dealers.&#160;&#160;If listed prices or quotes are not available, fair value is based upon externally developed models that use unobservable inputs due to the limited market activity of the instrument.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Loans - For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.&#160;&#160;The fair value of fixed rate loans at December 31, 2015 and 2014, was estimated through discounted cash flow analyses using interest rates currently being offered for loans with similar terms and credit quality.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Accrued interest receivable - The carrying amount of accrued interest receivable approximates fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Company also retains off-balance sheet lines of credit and mortgage commitments as described in Note 12.&#160;&#160;The fair value of these instruments has not been estimated at December&#160;31, 2015 and 2014, for reasons of impracticability.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Deposits - The fair value for demand deposits (e.g. interest and noninterest bearing checking and savings accounts) are, by definition, equal to the amount payable on demand at the reporting date (the carrying value).&#160;&#160;Also, the carrying amount for variable rate fixed-term money market accounts and certificates of deposit approximates fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-29</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR" style="MARGIN-LEFT: 0pt">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The fair value of fixed rate certificates of deposit at December 31, 2015 and 2014, was estimated using a discounted cash flow approach that applies interest rates currently being offered on certificates to a schedule of weighted average expected maturities on time deposits.</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Securities sold under agreements to repurchase - The carrying amount of securities sold under agreements to repurchase approximates fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Accrued interest payable - The carrying amount of accrued interest payable approximates fair&#160;value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Overnight advance from Federal Home Loan Bank - The fair value of variable rate advances from the Federal Home Loan Bank are based upon carrying amounts.&#160;&#160;The fair value of fixed rate advances is estimated using discounted cash flow analyses based upon the Bank&#8217;s current incremental borrowing rates for similar types of borrowings.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Long-term debt - The fair value of variable rate debt is based upon the carrying amount which approximates fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Junior subordinated debentures - The fair value of variable rate debentures is based upon the carrying amount, which approximates fair value.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The estimated fair value of the Bank&#8217;s financial instruments is as follows (in thousands of dollars):</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Carrying&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;Fair</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;Carrying</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;Fair</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amount&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Value&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;Amount</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">Value</font></font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Assets:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash and cash equivalents</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,154</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,154</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,531</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,531</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investment securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Held-to-maturity</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,412</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,412</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">863</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">862</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Available-for-sale</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">210,963</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">209,214</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">233,043</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">232,308</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans, net of allowance</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">114,027</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">113,660</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">101,247</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">101,329</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrued interest receivable and other assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,343</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,343</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,848</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10,848</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -45pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Li&#160;Liabilities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">316,969</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">301,107</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">304,776</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">291,907</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Securities sold under agreements to </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">repurchase</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,277</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,277</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,801</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,801</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrued interest payable, taxes and other </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,854</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,854</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,742</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6,742</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Overnight advance from Federal Home </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loan Bank</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,500</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,500</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24,750</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24,750</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Long-term debt</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,781</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,781</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12,000</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">12,000</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="52%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Junior subordinated debentures</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,248</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">8,248</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,248</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8,248</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="52%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The carrying amounts in the preceding table are included in the balance sheets under the applicable captions.&#160;&#160;The fair values of off-balance sheet financial instruments are not significant.</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-30</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">12.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Commitments, Contingent Liabilities, and Restrictions</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Loan commitments are made to accommodate the financial needs of the Bank&#8217;s customers.&#160;&#160;There are no long-term fixed rate loan commitments that result in market risk.&#160;&#160;These arrangements have credit risk essentially the same as that involved in extending loans to customers and are subject to the Bank&#8217;s normal credit policies.&#160;&#160;Collateral requirements (e.g., property and equipment) are based on management&#8217;s credit assessment of the customer.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank&#8217;s maximum exposure to credit loss for loan commitments outstanding at December&#160;31, 2015, was as follows (in thousands of dollars):</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="88%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Approved loan line commitments</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">778</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Unused lines of credit and home equity lines</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">11,322</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Approved mortgage commitments</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,934</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Mortgage constructions commitments</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">680</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Overdraft protection commitments</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">590</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">17,304</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Under Federal Reserve regulations, the Bank is limited to the amount it may loan to the Company, unless such loans are collateralized by specific obligations.&#160;&#160;At December 31, 2015, the maximum amount available for transfer from the Bank to the Company in the form of loans was approximately $966,000.&#160;&#160;The Bank is subject to legal limitations on the amount of dividends that can be paid to the Company.&#160;&#160;Dividends are limited to retained net profits, as defined by regulations, for the current year and the preceding year.&#160;&#160;At December 31, 2015, approximately $586,000 was available for the declaration of dividends.&#160;&#160;For all practical purposes, the Company could not declare dividends materially in excess of the amount of dividends that could be paid by the Bank to the Company.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.&#160; <font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank has been made aware of a threatened legal action.&#160;&#160;Management is vigorously defending this action.&#160;&#160;Because of the current state of the action, no prediction can be made as to its ultimate outcome.&#160;&#160;In the opinion of management, the outcome of this action should not have a material effect on the Bank&#8217;s financial position or results of operations.</font></font></div>

<div>&#160;</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">13.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Employee Benefit Plans</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank is a member of the New York State Bankers Retirement System.&#160;&#160;Substantially all full-time employees are covered under this defined benefit pension plan (the &#8220;Plan&#8221;).&#160;&#160;The Bank&#8217;s funding policy is to contribute the minimum required contribution annually.&#160;&#160;Pension cost is computed using the projected unit credit actuarial cost method.&#160;&#160;Effective December 31, 2012, the Plan was closed to new participants and accrued benefits were frozen.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-31</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following table sets forth the Plan&#8217;s funded status and amounts recognized in the Company&#8217;s consolidated balance sheets in other liabilities at December 31:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accumulated benefit obligations</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(7,967</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(8,395</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Projected benefit obligations for services rendered to date</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(7,967</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(8,395</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Plan assets at fair value, primarily U.S. Government </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">securities </font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>and marketable equity<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font>securities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,739</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,300</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">PROJECTED BENEFIT OBLIGATIONS IN EXCESS</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>OF PLAN ASSETS</font> (included in other liabilities)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(1,228</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(1,095</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Unrecognized net loss from past experience and </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">assumption changes</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,671</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">2,540</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Prepaid pension cost</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">1,443</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">1,445</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Adjustment to recognize minimum liability</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">(2,671</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">(2,540</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET PENSION LIABILITY</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">(1,228</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">1,095</font></font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The increase in the projected discount rate contributed approximately $343,000 to the overall decrease in the projected benefit obligation for the year ended December 31, 2015.&#160;&#160;The decrease in the projected discount rate contributed approximately $1,194,000 to the overall increase in the projected benefit obligation for the year ended December 31, 2014.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Plan paid $526,651 and $475,683 in benefit payments in 2015 and 2014, respectively.&#160;&#160;Estimated benefit payments under the Plan are expected to be approximately $450,000, $460,000, $482,000, $473,000 and $475,000 for the next five years.&#160;&#160;Payments are expected to be approximately $2,259,000 in total for the five-year period ending December 31, 2025.&#160;&#160;No contributions were made in 2015 and 2014.&#160;&#160;The Bank is not required to make any contributions to the Plan in 2016.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Net pension cost included the following components:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%" style="TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Service cost benefits earned during the period</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">60</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest cost on projected benefit obligation</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">302</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">320</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Actual return on assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(455</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(450</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net amortization and deferral</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">86</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">36</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 9pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET PERIOD PENSION COST</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(34</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-32</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The weighted average assumptions used to determine the benefit obligation at December 31 are as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Discount rate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4.06</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3.73</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The weighted average assumptions used to determine the net periodic pension cost at December&#160;31 are as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Discount rate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3.73</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.60</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Expected long-term return on plan assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">6.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Rate of compensation increase</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">0.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">0.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The expected long-term return on plan assets was determined based upon expected returns on individual asset types included in the asset portfolio.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Plan&#8217;s weighted-average asset allocations at December 31, by asset category, are as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 144pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash equivalents</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">5.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Equity securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">47.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">48.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fixed income securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">43.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">43.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3.7</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">--</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td valign="bottom" width="76%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">100.00</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">100.00</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Plan&#8217;s overall investment strategy is to achieve a mix of approximately 97 percent of investments for long-term growth and 3 percent for near-term benefit payments with a wide diversification of asset types, fund strategies, and fund managers.&#160;&#160;The target allocation for pension assets is 0 to 20 percent cash equivalents, 40 to 60 percent equity securities, 40 to 60&#160;percent fixed income securities, and 0 to 5 percent other.&#160;&#160;Cash equivalents consist primarily of government issues and short-term investment funds.&#160;&#160;Equity securities primarily include investments in common stock, depository receipts, preferred stock, and real estate investment trusts.&#160;&#160;Fixed income securities include corporate bonds, government issues, mortgaged backed securities, municipals, and other asset backed securities.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-33</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The fair value of the Plan&#8217;s assets, by asset category, is as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="13" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015</font></div>
</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Quoted Market</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Price in</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Active Markets</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 1)</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Other</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Observable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 2)</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unobservable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 3)</font></div>
</td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="13" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Cash equivalents:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Foreign currencies</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Short-term investment funds</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">349</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">349</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: bold">E</font>quity securities:</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Common stock</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,219</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,219</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Depository receipts</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commingled Pension Trust Fund</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">983</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">983</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Exchange Traded Funds</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">949</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">949</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Fixed income securities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Corporate bonds</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">320</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">320</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Government issue</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">913</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">913</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Collateralized mortgage obligations</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">57</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">57</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Commingled Pension Trust Fund</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,666</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,666</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">249</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">249</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,739</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2,202</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,288</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">249</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The following table sets forth a summary of the changes in the Level 3 assets for the year ended December 31, 2015 (<font style="FONT-SIZE: 10pt; DISPLAY: inline">in thousands of dollars)</font>.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="88%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Balance, December 31, 2014</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Purchase</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">218</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Unrealized gain</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">31</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Balance, December 31, 2015</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">249</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-34</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="13" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014</font></div>
</td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Quoted Market</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Price in</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Active Markets</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 1)</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Other</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Observable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 2)</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Unobservable</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Inputs</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(Level 3)</font></div>
</td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="13" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash equivalents:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Foreign currencies</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Government issue</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Short-term investment funds</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">611</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">611</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Equity securities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Common stock</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,423</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,423</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Depository receipts</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Preferred stock</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commingled Pension Trust Fund</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,043</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,043</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Exchange Traded Funds</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,021</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,021</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="39%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fixed income securities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Corporate bonds</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">287</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">287</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Government issue</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">704</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">704</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Collateralized mortgage obligations</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">66</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commingled Pension Trust Fund</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,036</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,036</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">51</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">51</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="25%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,300</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,478</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,822</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank has a 401(k) defined contribution plan (the &#8220;401(k) Plan&#8221;).&#160;&#160;All employees are eligible to participate in the 401(k) Plan after reaching age 21 and completing one year of service.&#160;&#160;Eligible employees may contribute to the 401(k) Plan up to 25 percent of their annual compensation.&#160;&#160;The Bank matches 100 percent of employee contributions up to an amount not to exceed 6 percent of an employee&#8217;s compensation.&#160;&#160;Employer contributions to the 401(k) Plan amounted to $118,900 and $109,900 for 2015 and 2014, respectively.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank has several Supplemental Executive Retirement Plans (&#8220;SERPs&#8221;) intended as a long-term incentive to designated officers and key employees.&#160;&#160;These SERPs provide for annual payments to these individuals for a period of ten years after retirement.&#160;&#160;The Bank adopted an additional Supplemental Executive Retirement Plan (SERP) during 2002.&#160;&#160;This plan provides a retiring executive, at age 62, a yearly supplemental benefit of 70 percent of final compensation offset by the Bank&#8217;s defined benefit pension plan, 401(k) matching provision, existing SERP, as described above, and 50 percent of their Social Security benefits.&#160;&#160;The obligations under this plan are being financed with bank owned life insurance policies on the participants.&#160;&#160;See Note 1. During 2009, these two SERP plans were combined into one plan.&#160;&#160;The Bank expensed $120,990 and $122,106 for deferred compensation in 2015 and 2014, respectively.&#160;&#160;At December&#160;31, 2015 and 2014, the deferred compensation liability was approximately $1,679,900 and $1,731,300, respectively.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank also has a plan that provides certain retiring executives, at normal retirement age of 65 or early retirement at age 60, if certain criteria are met, a yearly supplemental benefit at a fixed dollar amount payable over fifteen years.&#160;&#160;The obligations under this plan are being financed with bank owned life insurance policies on the participants.&#160;&#160;See Note 1.&#160;&#160;The Bank expensed $42,488 and $47,063 under this plan in 2015 and 2014, respectively.&#160;&#160;At December 31, 2015 and 2014, the deferred compensation liability under this plan was $668,454 and $746,996, respectively.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-35</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank has certain director fee deferral and continuation plans.&#160;&#160;These plans allow directors to defer current director fees and provide a benefit payment of 75 percent of final fees for a period of five years.&#160;&#160;The obligations under the continuation plan are being financed with bank owned life insurance policies on the participants.&#160;&#160;See Note 1.&#160;&#160;The Bank expensed $25,341 and $28,422 under these plans in 2015 and 2014, respectively.&#160;&#160;At December 31, 2015 and 2014, the deferred compensation liability under these plans was $411,888 and $400,485, respectively.</font></font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">FASB authoritative guidance on accounting for deferred compensation and postretirement benefit aspects of endorsement split-dollar life insurance arrangements requires the recognition of a liability and related compensation expense for endorsement split-dollar life insurance that provides a benefit to an employee that extends to postretirement periods.&#160;&#160;The life insurance policies purchased for the purpose of providing such benefits do not effectively settle an entity&#8217;s obligation to the employee.&#160;&#160;Accordingly, the entity must recognize a liability and related compensation expense during the employee&#8217;s active service period based on the future cost of insurance to be incurred during the employee&#8217;s retirement.&#160;&#160;This expense is included in the SERP plan expense for 2015 and 2014 discussed above.&#160;&#160;If the entity has agreed to provide the employee with a death benefit, then the liability for the future death benefit should be recognized by following the FASB authoritative guidance on employer&#8217;s accounting for postretirement benefits other than pensions.&#160;&#160;The accumulated postretirement benefit obligation was $420,127 and $429,643 at December 31, 2015 and 2014, respectively.</font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Certain key executives have change in control agreements with the Company.&#160;&#160;These agreements provide certain potential benefits in the event of termination of employment following a change in control.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">14.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Acquisition</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 18pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As discussed in Note 1, the Bank acquired six bank branches from Bank of America during 2014.&#160;&#160;The purchase of certain assets and assumption of certain liabilities was accounted for under the purchase method of accounting.&#160;&#160;The results of operations for these branches have been included in the consolidated financial statements since the date of acquisition.&#160;&#160;The following presents the allocation of the purchase price to the assets acquired and liabilities assumed based upon their fair value (in thousands of dollars):</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loans</font></div>
</td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">$</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">489</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Bank premises, furniture, and fixtures</font></div>
</td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">2,257</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Core deposit intangible</font></div>
</td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">1,037</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Goodwill</font></div>
</td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">334</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">2</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total assets acquired</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4,119</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">82,635</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">142</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total liabilities assumed</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">82,777</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Cash received</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">78,658</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net expenses reimbursed</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">167</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 72pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net cash received</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">78,825</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-36</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 9pt">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</td>
<td style="WIDTH: 18pt">
<div style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">15.</font></div>
</td>
<td>
<div align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Related Party Transactions</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Directors and executive officers of the Company and the Bank and their affiliated companies were customers of and had transactions with the Bank in the ordinary course of business during 2015 and 2014.&#160;&#160;All loans and commitments included in such transactions were made on substantially the same terms, including interest rates and collateral, and did not involve more than the normal risk of collectability or present other unfavorable features.&#160;&#160;As of December 31, 2015 and 2014, the balance of such loans was $688,126 and $708,837, respectively.&#160;&#160;During the year ended December 31, 2015, total principal additions were $16,575 and total principal payments were $37,286.&#160;&#160;During the year ended December 31, 2014, total principal additions were $28,300 and total principal payments were $34,315.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">16. Income Taxes</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The income tax (benefit) provision for 2015 and 2014 is summarized as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Current</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Deferred</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Total</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="10" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="64%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2015</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Federal</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">52</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(504</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(452</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">)</font></font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">State</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">17</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(130</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(113</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">)</font></font></td>
</tr><tr>
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">69</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(634</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(565</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">)</font></font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2014</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="9%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Federal</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(140</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(19</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(159</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">State</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(20</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(5</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(25</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
</tr><tr>
<td valign="bottom" width="64%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(160</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(24</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(184</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Deferred income taxes represent the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes.&#160;&#160;Significant components of the Company&#8217;s deferred tax assets and liabilities as of December 31 are as follows:</font></div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(in Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deferred tax assets:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Reserve for loan losses</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">582</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">536</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Interest rate swap</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">223</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">343</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Unrealized gains on available-for-sale securities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">699</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">294</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deferred compensation</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,121</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">1,169</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Employee benefits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">491</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">438</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fair value adjustment on acquisition of goodwill</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">194</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">NOL carryover</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">491</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">120</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">AMT credit carryover</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">215</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">236</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">99</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">99</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total deferred tax assets</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">4,115</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3,235</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-37</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deferred tax liabilities:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Bank premises, furniture, and equipment</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">152</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">190</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fair value adjustment on acquisition of investments</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fair value adjustment on acquisition of goodwill</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fair value adjustment on acquisition of core deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">205</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">289</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">33</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#8212;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total deferred tax liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">392</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">483</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NET DEFERRED TAX ASSET</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">3,723</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2,752</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The primary reasons for the differences from the statutory Federal tax rate are as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2015</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">2014</font></font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Statutory Federal income tax rate</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">34.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">34.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">%</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -0.9pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">State income taxes net of Federal tax benefit</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">5.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="76%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">39.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">39.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">State and municipal interest</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(1,443.9</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(32.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Other non-taxable income</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(441.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(11.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Net operating loss carryforward</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(1,605.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(10.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: -18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">All other</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">1,279.7</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(3.5</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 3.6pt; TEXT-INDENT: 18pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">EFFECTIVE TAX RATE</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">(2,172.2</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">)%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(19.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">)%</font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No tax payments were made in 2015. The Company made income tax payments of approximately $5,000 during 2014.&#160;&#160;There is approximately $1,200,000 of NOL currently available to offset taxable income.&#160;&#160;The NOL will begin to expire in 2035.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">17.&#160;&#160;&#160;Regulatory Matters</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank is subject to various regulatory capital requirements administered by the Federal banking agencies.&#160;&#160;Failure to meet minimum capital requirements can initiate certain mandatory,<font style="DISPLAY: inline" face="WP TypographicSymbols, Courier New">&#160;</font>and possibly additional, discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank&#8217;s financial statements.&#160;&#160;Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank&#8217;s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices.&#160;&#160;The Bank&#8217;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulation) to risk-weighted assets (as defined), and of Tier 1 capital (as defined in the regulation) to average assets (as defined).&#160;&#160;Management believes, as of December 31, 2015, that the Bank meets all capital adequacy requirements to which it is subject.</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-38</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As of June 30, 2014, the most recent notification from the Office of the Comptroller of the Currency categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.&#160;&#160;To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table below.&#160;&#160;There are no conditions or events since that notification that management believes have changed the institution&#8217;s category.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Bank&#8217;s actual capital amounts and ratios are also presented in the table.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">To be Well Capitalized Under</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;<font style="FONT-WEIGHT: bold">For Capital</font></font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Prompt Corrective</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Actual</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Adequacy Purposes</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="6" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Action Provisions</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="3" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amount</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Ratio</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amount</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Ratio</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Amount</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Ratio</font></div>
</td>
<td nowrap valign="bottom" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td colspan="23" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">(In Thousands of Dollars)</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2015:</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total capital</font></div>
</td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" colspan="2" valign="bottom">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(to Risk-Weighted Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">35,937</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">23.56%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">12,204</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="FONT-FAMILY: symbol, serif; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline">&gt;</font></font>8.00%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">15,255</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&gt;</font>10.00%</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tier 1 Capital</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(to Risk-Weighted Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">34,255</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">22.46%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">9,153</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="FONT-FAMILY: symbol, serif; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline">&gt;</font></font>6.00%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">12,204</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&gt;</font>8.00%</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Common Tier 1 Capital</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(to Risk-Weighted Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">34,255</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">22.46%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">6,865</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="FONT-WEIGHT: normal"><font style="FONT-WEIGHT: bold"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&gt;</font>4.50</font></font>%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">9,915</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold">&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">&gt;</font>6.50%</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tier 1 Capital</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(to Average Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">34,255</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">9.34%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">14,677</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="FONT-FAMILY: symbol, serif; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline">&gt;</font>4</font>.00%<font id="TAB2" style="FONT-WEIGHT: bold; LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">18,346</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&gt;</font>5.00%</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: -36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">December 31, 2014</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Total capital</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(to Risk-Weighted Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">33,339</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.95%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">15,731</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline"><font style="FONT-WEIGHT: bold">&gt;</font></font></font>8.00%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">19,664</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&gt;</font></font>10.00%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tier 1 Capital</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(to Risk-Weighted Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31,754</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">16.15%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">7,865</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-FAMILY: symbol, serif; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; FONT-WEIGHT: normal; DISPLAY: inline">&gt;</font></font>4</font>.00%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">11,798</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&gt;</font></font>&#160;6.00%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tier 1 Capital</font></div>
</td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="28%">
<div style="MARGIN-LEFT: 18pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(to Average Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">31,754</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.66%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">14,661</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-FAMILY: symbol, serif; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; FONT-WEIGHT: normal; DISPLAY: inline">&gt;</font></font>4</font>.00%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">18,326</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline"><font style="FONT-WEIGHT: bold">&gt;</font></font></font>5.00%<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="28%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
</tr></table>
</div>

<div align="left">&#160;</div>

<div align="left">&#160;</div>

<div align="left">&#160;</div>

<div align="left">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">F-39</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div>&#160;</div>

<div><br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; FONT-WEIGHT: bold; DISPLAY: inline">ANNEX A</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; FONT-WEIGHT: bold; DISPLAY: inline">Execution Copy</font></div>

<br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">AGREEMENT AND PLAN OF MERGER</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">By and Among</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">NORWOOD FINANCIAL CORP.,</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">WAYNE BANK,</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">DELAWARE BANCSHARES, INC.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">AND</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">THE NATIONAL BANK OF DELAWARE COUNTY</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Dated as of March 10, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">TABLE OF CONTENTS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 1</font></div>
</td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">THE MERGER</font></div>
</td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-2</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 1.1</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consummation of Merger; Closing Date</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-2</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 1.2</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Effect of Merger</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-3</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 1.3</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Further Assurances</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-3</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 1.4</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Directors and Officers</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-3</font></div>
</td>
</tr><tr>
<td valign="top" width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 2</font></div>
</td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="3" valign="top" width="77%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">CONVERSION OF CONSTITUENTS&#8217; CAPITAL SHARES</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-4</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 2.1</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Manner of Conversion of Delaware Common Stock</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-4</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 2.2</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Election Procedures</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-5</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 2.3</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Effectuating Conversion</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-8</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 2.4</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Determination of Alternative Structures</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-10</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 2.5</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Laws of Escheat</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-10</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 2.6</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Appraisal Rights</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-10</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 2.7</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Anti-Dilution</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-11</font></div>
</td>
</tr><tr>
<td valign="top" width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 3</font></div>
</td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="3" valign="top" width="77%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">REPRESENTATIONS AND WARRANTIES OF DELAWARE AND NBDC BANK</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-11</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.1</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Corporate Organization</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-11</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.2</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Capitalization</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-12</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.3</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Financial Statements; Filings</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-13</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.4</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Loan Portfolio; Reserves</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-14</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.5</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Certain Loans and Related Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-15</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.6</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Authority; No Violation</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-15</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.7</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consents and Approvals</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-16</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.8</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Broker&#8217;s Fees</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-16</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.9</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Absence of Certain Changes or Events</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-16</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.10</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Legal Proceedings; Etc.</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-16</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.11</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Taxes and Tax Returns</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-17</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.12</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Employee Benefit Plans</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-18</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.13</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Title and Related Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-22</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.14</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Real Estate</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-23</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.15</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Environmental Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-23</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.16</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Commitments and Contracts</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-25</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.17</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regulatory Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-26</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.18</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Registration/Repurchase Obligations</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-26</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.19</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Antitakeover Provisions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-26</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.20</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Insurance</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-27</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.21</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Labor</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-27</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.22</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Compliance with Laws</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-28</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.23</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transactions with Management</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-29</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.24</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Derivative Contracts</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-29</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.25</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposits</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-29</font></div>
</td>
</tr></table>

<div>&#160;</div>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-i</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.26</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Controls and Procedures</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-30</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.27</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Data Security</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-30</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.28</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delaware Information</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-31</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.29</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposit Insurance</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-31</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.30</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Intellectual Property</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-31</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.31</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Fairness Opinion</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-32</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.32</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Trust Activities</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-32</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.33</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Indemnification</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-32</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.34</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Investment Securities</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-32</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.35</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Reorganization Treatment</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-33</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 3.36</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Untrue Statements and Omissions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-33</font></div>
</td>
</tr><tr>
<td valign="top" width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 4</font></div>
</td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="3" valign="top" width="77%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">REPRESENTATIONS AND WARRANTIES OF NORWOOD</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-33</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.1</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Organization and Related Matters of Norwood</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-33</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.2</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Capitalization</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-34</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.3</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Financial Statements; Filings; Reserves</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-34</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.4</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Authority; No Violation</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-35</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.5</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consents and Approvals</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-36</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.6</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Norwood Information</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-36</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.7</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regulatory Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-37</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.8</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Deposit Insurance</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-37</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.9</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Legal Proceedings, Etc.</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-37</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.10</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Taxes and Tax Returns</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-38</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.11</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Employee Benefit Plans</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-38</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.12</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Environmental Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-38</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.13</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Data Security</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-38</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.14</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Controls and Procedures</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-39</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.15</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">SEC Filings</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-40</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.16</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Reorganization Treatment</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-40</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.17</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Access to Funds</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-40</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.18</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Compliance with Laws</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-40</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 4.19</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Untrue Statements and Omissions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-41</font></div>
</td>
</tr><tr>
<td valign="top" width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 5</font></div>
</td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="3" valign="top" width="77%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">COVENANTS AND AGREEMENTS</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-41</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.1</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Conduct of the Business of Delaware</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-41</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.2</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Conduct of the Business of Norwood</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-45</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.3</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Current Information</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-45</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.4</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Access to Properties; Personnel and Records; System Integration; Insurance</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-45</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.5</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Registration Statement/Approval of Shareholders</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-47</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.6</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">No Other Bids</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-49</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.7</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Maintenance of Properties; Certain Remediation and Capital Improvements</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-50</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.8</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Environmental Audits</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-50</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.9</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Title Insurance</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-51</font></div>
</td>
</tr></table>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-ii</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div>&#160;</div>

<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.10</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Surveys</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-51</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.11</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consents to Assign and Use Leased Premises</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-51</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.12</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Compliance Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-51</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.13</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Support Agreements</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-51</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.14</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Disclosure Controls</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-51</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.15</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Bank Plan of Merger</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-52</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.16</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">All Reasonable Efforts</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-52</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.17</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Failure to Fulfill Conditions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-52</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.18</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Shareholder Litigation</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-52</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.19</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Charter Provisions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-52</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 5.20</font></div>
</td>
<td align="left" colspan="2" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Accrual of Expenses and Termination of Swap</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-53</font></div>
</td>
</tr><tr>
<td valign="top" width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="15%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 6</font></div>
</td>
<td colspan="2" valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="3" valign="top" width="77%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ADDITIONAL COVENANTS AND AGREEMENTS</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-53</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.1</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Best Efforts; Cooperation</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-53</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.2</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regulatory Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-53</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.3</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Employment and Employee Benefits Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-54</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.4</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Indemnification</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-57</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.5</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Transaction Expenses of Delaware</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-57</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.6</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Press Releases</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-58</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.7</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Prior Notice and Approval Before Payments to be Made</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-58</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.8</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Notification of Certain Matters</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-58</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.9</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Disclosure Supplements</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-59</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.10</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Advisory Board of Directors/Boards of Directors</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-59</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 6.11</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tax Representation Letters/Tax Treatment</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-59</font></div>
</td>
</tr><tr>
<td colspan="2" valign="top" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="61%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 7</font></div>
</td>
<td valign="top" width="61%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="3" valign="top" width="77%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">MUTUAL CONDITIONS TO CLOSING</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-59</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 7.1</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Shareholder Approval</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-59</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 7.2</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Regulatory Approvals</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-60</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 7.3</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Litigation</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-60</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 7.4</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Registration Statement</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-60</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 7.5</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Listing</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-60</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 7.6</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Tax Opinions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-60</font></div>
</td>
</tr><tr>
<td colspan="2" valign="top" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="61%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 8</font></div>
</td>
<td valign="top" width="61%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="3" valign="top" width="77%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">CONDITIONS TO THE OBLIGATIONS OF NORWOOD</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-60</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.1</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Representations and Warranties</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-61</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.2</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Performance of Obligations</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-61</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.3</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Absence of Adverse Facts</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-61</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.4</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consents Under Agreements</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-61</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.5</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Material Condition</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-61</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.6</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Certification of Claims</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-61</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.7</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dissenting Shareholders</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-62</font></div>
</td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 8.8</font></div>
</td>
<td align="left" valign="top" width="61%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Certificate Representing Satisfaction of Conditions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-62</font></div>
</td>
</tr></table>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-iii</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 9</font></div>
</td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="78%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">CONDITIONS TO OBLIGATIONS OF DELAWARE</font></div>
</td>
<td align="right" valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-62</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 9.1</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Representations and Warranties</font></div>
</td>
<td align="right" valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-62</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 9.2</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Performance of Obligations</font></div>
</td>
<td align="right" valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-62</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 9.3</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Delivery of Exchange Fund</font></div>
</td>
<td align="right" valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-62</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 9.4</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Certificate Representing Satisfaction of Conditions</font></div>
</td>
<td align="right" valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-62</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 10</font></div>
</td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="78%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">TERMINATION, WAIVER AND AMENDMENT</font></div>
</td>
<td valign="top" width="6%" style="TEXT-ALIGN: right">
<div style="TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -5.4pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-633</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 10.1</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Termination</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-63</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 10.2</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Effect of Termination; Termination Fee</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-66</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 10.3</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Amendments</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-66</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 10.4</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Waivers</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-66</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 10.5</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Non-Survival of Representations, Warranties and Covenants</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-66</font></div>
</td>
</tr><tr>
<td valign="top" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ARTICLE 11</font></div>
</td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" colspan="2" valign="top" width="78%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">MISCELLANEOUS</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-67</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.1</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Definitions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-67</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.2</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Entire Agreement</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-69</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.3</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Notices</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-69</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.4</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Severability</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-70</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.5</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Costs and Expenses</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-70</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.6</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Captions</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-71</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.7</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Counterparts</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-71</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.8</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Persons Bound; No Assignment</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-71</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.9</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Governing Law</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-71</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.10</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Exhibits and Schedules</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-71</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.11</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Waiver</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-71</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.12</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Construction of Terms</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-71</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.13</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Specific Performance</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-72</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.14</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">No Presumption Against Drafting Party</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-72</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Section 11.15</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Waiver of Jury Trial</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">A-72</font></div>
</td>
</tr><tr>
<td valign="top" width="16%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="DISPLAY: inline">Exhibits</font></font></div>
</td>
<td valign="top" width="62%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Exhibit A</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Form of Support Agreement</font></div>
</td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="16%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Exhibit B</font></div>
</td>
<td align="left" valign="top" width="62%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Form of Bank Plan of Merger</font></div>
</td>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-iv</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">AGREEMENT AND PLAN OF MERGER</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">By and Among</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">NORWOOD FINANCIAL CORP.,</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">WAYNE BANK,</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">DELAWARE BANCSHARES, INC.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">AND</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">THE NATIONAL BANK OF DELAWARE COUNTY</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This AGREEMENT AND PLAN OF MERGER, dated as of the 10th day of March, 2016 (this &#8220;Agreement&#8221;), by and among Norwood Financial Corp., a Pennsylvania corporation (&#8220;Norwood&#8221;), Wayne Bank, a Pennsylvania-chartered bank (&#8220;Wayne&#8221;), Delaware Bancshares, Inc., a New York corporation (&#8220;Delaware&#8221;) and The National Bank of Delaware County, a national bank chartered under the laws of the United States (&#8220;NBDC Bank&#8221;) (each, a &#8220;Party&#8221; and, collectively, the &#8220;Parties&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">WITNESSETH THAT:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">WHEREAS, the Boards of Directors of Norwood and Delaware deem it in the best interests of Norwood and Delaware, respectively, and of their respective shareholders, that Norwood and Delaware enter into this Agreement pursuant to which Norwood will acquire all of the issued and outstanding shares of capital stock of Delaware through the merger of Delaware with and into Norwood (the &#8220;Merger&#8221;);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">WHEREAS, for U.S. federal income tax purposes, it is intended that the transaction shall qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code, and this Agreement is intended to be, and is adopted as, a plan of reorganization for purposes of Sections 354, 361 and 368 of the Code and within the meaning of Treasury regulation section 1.368-2(g);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">WHEREAS, Norwood owns all of the issued and outstanding capital stock of Wayne and Delaware owns all of the issued and outstanding capital stock of NBDC Bank, and it is contemplated that, immediately following the Merger, NBDC Bank will be merged with and into Wayne with Wayne as the surviving entity (the &#8220;Bank Merger&#8221;); and</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">WHEREAS, as an inducement and condition to Norwood&#8217;s entering into this Agreement, each of the directors and executive officers of Delaware, solely in their individual capacity, have entered into a Support Agreement with Norwood in the form attached hereto as Exhibit&#160;A, pursuant to which they have agreed to take certain actions in support and cooperation of this transaction and the surviving corporation.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">NOW, THEREFORE, in consideration of the premises and the mutual covenants, representations, warranties and agreements herein contained, the Parties agree that all the </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">outstanding shares of common stock of Delaware will be acquired by Norwood through the merger of Delaware with and into Norwood and that the terms and conditions of the Merger, the mode of carrying the Merger into effect, including the manner of converting the shares of common stock of Delaware into cash or shares of the common stock of Norwood, par value $0.10 per share (the &#8220;Norwood Common Stock&#8221;), shall be as hereinafter set forth.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 1</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">THE MERGER</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 1.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Consummation of Merger; Closing Date</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>On the terms and subject to the conditions set forth in this Agreement, at the Effective Time of the Merger (as defined herein), Delaware shall be merged with and into Norwood in accordance with Chapter 3 of the Pennsylvania Associations Code (&#8220;PAC&#8221;) and Section 907 of the New York Business Corporation Law (&#8220;NYBCL&#8221;) (the &#8220;Merger&#8221;), with Norwood as the surviving corporation (hereinafter sometimes called the &#8220;Surviving Corporation&#8221;).&#160;&#160;Each share of common stock, par value $1.25 per share, of Delaware (&#8220;Delaware Common Stock&#8221;) outstanding immediately prior to the Effective Time of the Merger (other than Dissenting Shares, shares held by Delaware (including treasury shares), Norwood or any of their respective wholly-owned subsidiaries (in each case, other than in a fiduciary capacity)) shall, by virtue of the Merger and without any further action by the holder thereof, be converted into and represent the right to receive 0.6221 of a share of Norwood Common Stock or $16.68 in cash, without interest (the &#8220;Merger Consideration&#8221;) as provided in Section 2.1 hereof and subject to the terms, conditions, limitations and procedures set forth in this Agreement and the Bank Plan of Merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Merger shall be consummated pursuant to the terms and conditions of this Agreement, which has been approved and adopted by each of the Boards of Directors of Norwood, Wayne, Delaware and NBDC Bank.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Subject to the prior satisfaction or waiver of the conditions set forth in Articles 7, 8 and 9 hereof, the Merger shall become effective as of the later of the date and time of filing of a Statement of Merger with the Pennsylvania Department of State pursuant to Section 335 of the PAC and the date and time of filing of a Certificate of Merger with the Department of State of the State of New York, unless a later date or time is specified as the effective time in the Statement of Merger and the Certificate of Merger (such term is heretofore and hereinafter referred to as the &#8220;Effective Time of the Merger&#8221;).&#160;&#160;Subject to the terms and conditions hereof, unless otherwise agreed upon by Norwood and Delaware, the Effective Time of the Merger shall occur on the tenth (10th) business day following the later to occur of (i) the effective date (including expiration of any applicable waiting period) of the last required Consent (as defined herein) of any Regulatory Authority (as defined herein) having authority over the transactions contemplated under this Agreement and the satisfaction of all of the other terms and conditions of this Agreement (other than those conditions that by their nature are to be satisfied at the Closing) and (ii) the date on which the shareholders of Delaware approve the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The closing of the Merger (the &#8220;Closing&#8221;) shall take place at the principal offices of Norwood at 10:00 a.m. local time on the day that the Effective Time of the Merger occurs, or such other date, time and place as the Parties hereto may agree (the &#8220;Closing Date&#8221;).&#160;&#160;Subject to the provisions of this Agreement, at the Closing there shall be delivered to each of the Parties hereto the opinions, certificates and other documents and instruments required to be so delivered pursuant to this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 1.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Effect of Merger</font>.&#160;&#160;At the Effective Time of the Merger, Delaware shall be merged with and into Norwood and the separate existence of Delaware shall cease.&#160;&#160;The articles of incorporation and bylaws of Norwood, as in effect on the date hereof and as otherwise amended prior to the Effective Time of the Merger, shall be the articles of incorporation and bylaws of the Surviving Corporation until further amended as provided therein and in accordance with applicable law.&#160;&#160;The Surviving Corporation shall have all the rights, privileges, immunities and powers and shall be subject to all the duties and liabilities of a Pennsylvania corporation and shall thereupon and thereafter possess all other privileges, immunities and franchises of a private, as well as of a public nature, of each of the constituent corporations.&#160;&#160;The Merger shall have the effects set forth in the PAC and the NYBCL.&#160;&#160;All property (real, personal and mixed) and all debts on whatever account, including subscriptions to shares, and all choses in action, all and every other interest, of or belonging to or due to each of the constituent corporations so merged shall be taken and deemed to be transferred to and vested in the Surviving Corporation without further act or deed.&#160;&#160;The title to any real estate, or any interest therein, vested in any of the constituent corporations shall not revert or be in any way impaired by reason of the Merger.&#160;&#160;The Surviving Corporation shall thenceforth be responsible and liable for all the liabilities and obligations of each of the constituent corporations so merged and any claim, action or proceeding existing or pending by or against either of the constituent corporations may be prosecuted as if the Merger had not taken place or the Surviving Corporation may be substituted in its place.&#160;&#160;Neither the rights of creditors nor any liens upon the property of any constituent corporation shall be impaired by the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 1.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Further Assurances</font>.&#160;&#160;If, at any time after the Effective Time of the Merger, Norwood shall reasonably consider or be advised that any further deeds, assignments or assurances in law or any other acts are necessary or desirable to (i) vest, perfect or confirm, of record or otherwise, in Norwood its right, title or interest in, to or under any of the rights, properties or assets of Delaware or any Delaware Subsidiary (as defined herein) or (ii) otherwise carry out the purposes of this Agreement, Delaware, the Delaware Subsidiaries and their officers and directors shall be deemed to have granted to Norwood an irrevocable power of attorney to execute and deliver, in such official corporate capacities, all such deeds, assignments or assurances in law or any other acts as are necessary or desirable to (a) vest, perfect or confirm, of record or otherwise, in Norwood its right, title or interest in, to or under any of the rights, properties or assets of Delaware or the Delaware Subsidiaries or (b) otherwise carry out the purposes of this Agreement, and the officers and directors of Norwood are authorized in the name of Delaware and the Delaware Subsidiaries or otherwise to take any and all such action.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="FONT-WEIGHT: normal">Section 1.4</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Directors and Officers</font>.&#160;&#160;Except as otherwise set forth herein in Section 6.10, from and after the Effective Time of the Merger, the directors of the Surviving Corporation and officers of the Surviving Corporation shall be those persons serving as directors and officers of Norwood immediately prior to the Effective Time of the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 2</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">CONVERSION OF CONSTITUENTS&#8217; CAPITAL SHARES</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 2.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Manner of Conversion of Delaware Common Stock</font>.&#160;&#160;Subject to the provisions hereof, as of the Effective Time of the Merger and by virtue of the Merger and without any further action on the part of Norwood, Delaware or the holder of any shares of any of them, the shares of the constituent corporations shall be converted as follows:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each share of capital stock of Norwood outstanding immediately prior to the Effective Time of the Merger shall, after the Effective Time of the Merger, remain outstanding and unchanged.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each share of Delaware Common Stock held by Delaware (including treasury shares) or by Norwood (or any of their subsidiaries) other than such shares held in a fiduciary capacity or as a result of debts previously contracted, shall be canceled and retired and no consideration shall be paid or delivered in exchange therefor.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Except with regard to the shares of Delaware Common Stock excluded under Section 2.1(b) above and Dissenting Shares (as defined in Section 2.6) and subject to the limits in Section 2.2 hereof, each issued and outstanding share of Delaware Common Stock outstanding immediately prior to the Effective Time of the Merger (whether or not subject to restriction) shall be converted into and constitute, as provided in and subject to the limitations set forth in this Agreement, the right to receive at the election of the holder thereof as provided in, and as adjusted pursuant to, Section 2.7, the following consideration (in the aggregate for all such shares of Delaware Common Stock, the &#8220;Merger Consideration&#8221;):</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;for each such share of&#160;&#160;Delaware Common Stock with respect to which an election to receive cash has been effectively made and not revoked or lost pursuant to Section 2.2 (a &#8220;Cash Election&#8221;), cash in an amount equal to $16.68, without interest, (the &#8220;Cash Consideration&#8221;) (collectively, the &#8220;Cash Election Shares&#8221;);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;for each such share of Delaware Common Stock with respect to which an election to receive Norwood Common Stock has been effectively made and not revoked or lost pursuant to Section 2.2 (a &#8220;Stock Election&#8221;), 0.6221 of a&#160;&#160;share of Norwood Common Stock (the &#8220;Stock Consideration&#8221;) (collectively, the &#8220;Stock Election Shares&#8221;); or</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;for each such share of Delaware Common Stock other than shares as to which a Cash Election, a Stock Election or a Mixed Election (as defined in Section 2.2) has been effectively made and not revoked or lost pursuant to Section 2.2 (collectively, the &#8220;Non-Election Shares&#8221;), the Stock Consideration or Cash Consideration as is determined in accordance with Section 2.2.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font>Section 2.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Election Procedures.</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Holders of shares of Delaware Common Stock may elect to receive shares of Norwood Common Stock or cash (in either case without interest) in exchange for their shares of Delaware Common Stock in accordance with the procedures and subject to the limitations set forth in this Section 2.2.&#160;&#160;Shares of Delaware Common Stock as to which a Cash Election (including, pursuant to a Mixed Election) has been made are referred to herein as &#8220;Cash Election Shares.&#8221;&#160;&#160;Shares of Delaware Common Stock as to which a Stock Election has been made (including, pursuant to a Mixed Election) are referred to as &#8220;Stock Election Shares.&#8221;&#160;&#160;Shares of Delaware Common Stock as to which no election has been made (or as to which an Election Form is not returned properly completed) are referred to herein as &#8220;Non-Election Shares.&#8221;&#160;&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>An election form and other appropriate and customary transmittal materials (which shall specify that delivery shall be effected, and risk of loss and title to the Certificates shall pass, only upon proper delivery of such Certificates to the Exchange Agent), in such form as Delaware and Norwood shall mutually agree (&#8220;Election Form&#8221;), shall be mailed on the same date as the Proxy Statement/Prospectus (as defined herein) is mailed to stockholders of Delaware&#160;&#160;(the &#8220;Mailing Date&#8221;) to each holder of record of Delaware Common Stock eligible to vote at the Delaware Stockholders&#8217; Meeting (the &#8220;Election Form Record Date&#8221;).&#160;&#160;Each Election Form shall permit such holder, subject to the allocation and election procedures set forth in this Section 2.2, (i) to elect to receive the Cash Consideration for all of the shares of Delaware Common Stock held by such holder, in accordance with Section 2.1(c)(1), (ii) to elect to receive the Stock Consideration for all of such shares, in accordance with Section 2.1(c)(2), (iii) to elect to receive the Stock Consideration for a certain whole number of such holder&#8217;s shares and the Cash Consideration for all other shares of such holder&#8217;s shares (a &#8220;Mixed Election&#8221;) (all such shares together, the &#8220;Mixed Election Shares&#8221;), or (iv) to indicate that such record holder has no preference as to the receipt of cash or Norwood Common Stock for such shares.&#160;&#160;A holder of record of shares of Delaware Common Stock who holds such shares as nominee, trustee or in another representative capacity (a &#8220;Stockholder Representative&#8221;) may submit multiple Election Forms, provided&#160;&#160;that each such Election Form covers all the shares of Delaware Common Stock held by such Stockholder Representative for a particular beneficial owner.&#160;&#160;Any shares of Delaware Common Stock with respect to which the holder thereof shall not, as of the Election Deadline, have made an election by submission to the Exchange Agent of an effective, properly completed Election Form shall be deemed Non-Election Shares.&#160;&#160;All Dissenting Shares shall be deemed shares subject to a Cash Election, and with respect to such shares the holders thereof shall in no event receive consideration comprised of Norwood Common Stock; provided, however, that for purposes of making the proration calculations provided for in this Section 2.2, only Dissenting Shares as existing at the Effective Time shall be deemed Cash Election Shares.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>To be effective, a properly completed Election Form shall be submitted to the Exchange Agent on or before 5:00 p.m., New York City time, on the day of the Delaware Shareholders&#8217; Meeting (or such other time and date as Norwood and Delaware may mutually agree) (the &#8220;Election Deadline&#8221;); provided, however, that the Election Deadline may not occur on or after the Closing Date.&#160;&#160;Delaware shall use its reasonable best efforts to make available up to two separate Election Forms, or such additional Election Forms as Norwood may permit, to all persons who become holders (or beneficial owners) of Delaware Common Stock between the Election Form Record Date and the close of business on the business day prior to the Election Deadline.&#160;&#160;Delaware shall provide to the Exchange Agent all information reasonably necessary </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-5</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">for it to perform as specified herein.&#160;&#160;An election shall have been properly made only if the Exchange Agent shall have actually received a properly completed Election Form by the Election Deadline.&#160;&#160;An Election Form shall be deemed properly completed only if accompanied by one or more Certificates (or customary affidavits and indemnification regarding the loss or destruction of such Certificates or the guaranteed delivery of such Certificates) representing all shares of Delaware Common Stock covered by such Election Form, together with duly executed transmittal materials included with the Election Form.&#160;&#160;If a Delaware stockholder either (i) does not submit a properly completed Election Form in a timely fashion or (ii) revokes its Election Form prior to the Election Deadline (without later submitting a properly completed Election Form prior to the Election Deadline), the shares of Delaware Common Stock held by such stockholder shall be designated as Non-Election Shares.&#160;&#160;Any Election Form may be revoked or changed by the person submitting such Election Form to the Exchange Agent by written notice to the Exchange Agent only if such notice of revocation or change is actually received by the Exchange Agent at or prior to the Election Deadline.&#160;&#160;Norwood shall cause the Certificate or Certificates relating to any revoked Election Form to be promptly returned without charge to the person submitting the Election Form to the Exchange Agent.&#160;&#160;Subject to the terms of this Agreement and of the Election Form, the Exchange Agent shall have discretion to determine when any election, modification or revocation is received and whether any such election, modification or revocation has been properly made.&#160;&#160;All Elections (whether Cash, Stock or Mixed) shall be revoked automatically if the Exchange Agent is notified in writing by Norwood or Delaware, upon exercise by Norwood or Delaware of its respective or their mutual rights to terminate this Agreement to the extent provided under Article&#160;10, that this Agreement has been terminated in accordance with Article 10.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>The number of shares of Delaware Common Stock to be converted into the right to receive the Cash Consideration shall be equal to 25% of the number of shares of Delaware Common Stock outstanding immediately prior to the Effective Time (the &#8220;Aggregate Cash Limit&#8221;) and the number of shares of Delaware Common Stock to be converted into the right to receive the Stock Consideration shall be equal to 75% of the number of shares of Delaware Common Stock outstanding immediately prior to the Effective Time (the &#8220;Aggregate Stock Limit&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>If the number of Cash Election Shares is less than the Aggregate Cash Limit, then:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;all Cash Election Shares shall be converted into the right to receive the Cash Consideration,</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Non-Election Shares shall then be deemed to be Cash Election Shares to the extent necessary to have the total number of Cash Election Shares equal the Aggregate Cash Limit.&#160;&#160;If less than all of the Non-Election Shares need to be treated as Cash Election Shares, then a sufficient number of Non-Election Shares shall be deemed Cash Election Shares (&#8220;Deemed Cash Election Shares&#8221;) and Share Election Shares (&#8220;Deemed Share Election Shares&#8221;) on a pro rata basis as described below such that the sum of the number of Cash Election Shares plus the number of Deemed Cash Election Shares equals the Aggregate Cash Limit and all Deemed Share Election Shares shall be treated as Stock Election Shares,</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-6</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;if all of the Non-Election Shares are treated as Cash Election Shares under the preceding subsection and the total number of Cash Election Shares is less than the Aggregate Cash Limit, then the Exchange Agent shall convert on a pro rata basis as described below a sufficient number of Stock Election Shares into Cash Election Shares (&#8220;Reallocated Cash Shares&#8221;) such that the sum of the number of Cash Election Shares plus the number of Reallocated Cash Shares equals the Aggregate Cash Limit, and all Reallocated Cash Shares will be converted into the right to receive the Cash Consideration, and</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(4)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Stock Election Shares which are not Reallocated Cash Shares shall be converted into the right to receive the Stock Consideration.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>If the number of Cash Election Shares is greater than the Aggregate Cash Limit, then:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;all Stock Election Shares and all Non-Election Shares shall be converted into the right to receive the Stock Consideration,</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Exchange Agent shall convert on a pro rata basis as described below a sufficient number of Cash Election Shares (&#8220;Reallocated Stock Shares&#8221;) such that the number of remaining Cash Election Shares equals the Aggregate Cash Limit, and all Reallocated Stock Shares shall be converted into the right to receive the Stock Consideration, and</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Cash Election Shares which are not Reallocated Stock Shares shall be converted into the right to receive the Cash Consideration.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>If the number of Cash Election Shares is equal to the Aggregate Cash Limit, then subparagraphs (d)(i) and (ii) above shall not apply and all Non-Election Shares and all Stock Election Shares will be converted into the right to receive the Stock Consideration.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(h)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>In the event that the Exchange Agent is required to convert some Stock Election Shares into Reallocated Cash Shares, each holder of Stock Election Shares shall be&#160;&#160;allocated a pro rata portion of the total Reallocated Cash Shares.&#160;&#160;In the event the Exchange Agent is required to convert some Cash Election Shares into Reallocated Stock Shares, each holder of Cash Election Shares shall be allocated a pro rata portion of the total Reallocated Stock Shares.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Notwithstanding any other provision hereof, no fractional shares of Norwood Common Stock and no certificates or scrip therefor, or other evidence of ownership thereof, will be issued in the Merger.&#160;&#160;Instead, Norwood will pay to each holder of Delaware Common Stock who would otherwise be entitled to a fractional share of Norwood Common Stock (after taking into account all certificates formerly representing shares of Delaware Common Stock delivered by such holder) an amount in cash (without interest) determined by multiplying such fraction of a share of Norwood Common Stock by the average of the closing sale prices of Norwood Common Stock, as reported on The Nasdaq Stock Market for the twenty consecutive trading days ending on the day immediately prior to the Closing Date; provided, however, that in the event Norwood Common Stock does not trade on one or more of the trading </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-7</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">days in such period, any such date shall be disregarded in computing the average closing sales price and the average shall be based upon the closing sales prices and number of days on which Norwood Common Stock actually traded during such period.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(j)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Within seven business days after the Effective Time of the Merger, Norwood shall cause the Exchange Agent to effect the allocation of the Cash Consideration and the Stock Consideration among holders of Delaware Common Stock and to distribute the Merger Consideration as set forth herein.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 2.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Effectuating Conversion</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>On the business day immediately prior to the Effective Time of the Merger, Norwood will deliver or cause to be delivered to Computershare or another third-party agent to be appointed by Norwood and reasonably acceptable to Delaware (the &#8220;Exchange Agent&#8221;) an amount of cash equal to the aggregate Cash Consideration to be paid pursuant to Section 2.1 hereof (the &#8220;Exchange Fund&#8221;).&#160;&#160;As promptly as practicable after the Effective Time of the Merger, the Exchange Agent shall send or cause to be sent to each former holder of record of shares of Delaware Common Stock who did not previously submit an Election Form transmittal materials (the &#8220;Letter of Transmittal&#8221;) for use in exchanging their certificates formerly representing shares of Delaware Common Stock for the Merger Consideration provided for in this Agreement.&#160;&#160;The Letter of Transmittal will contain instructions with respect to the surrender of certificates representing shares of Delaware Common Stock and the receipt of the Merger Consideration contemplated by this Agreement and will require each holder of shares of Delaware Common Stock to transfer good and marketable title to such shares of Delaware Common Stock to Norwood, free and clear of all liens, claims and encumbrances.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>At the Effective Time of the Merger, the stock transfer books of Delaware shall be closed as to holders of shares of Delaware Common Stock immediately prior to the Effective Time of the Merger, no transfer of shares of Delaware Common Stock by any such holder shall thereafter be made or recognized and each outstanding certificate formerly representing shares of Delaware Common Stock shall, without any action on the part of any holder thereof, no longer represent shares of Delaware Common Stock.&#160;&#160;If, after the Effective Time of the Merger, certificates are properly presented to the Exchange Agent, such certificates shall be exchanged for the Merger Consideration other than Dissenting Shares.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>In the event that any holder of record as of the Effective Time of the Merger of shares of Delaware Common Stock is unable to deliver the certificate which represents such holder&#8217;s shares of Delaware Common Stock, Norwood, in the absence of actual notice that any shares of Delaware Common Stock theretofore represented by any such certificate have been acquired by a bona fide purchaser, shall deliver to such holder the Merger Consideration contemplated by this Agreement to which such holder is entitled in accordance with the provisions of this Agreement upon the presentation of all of the following:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">an affidavit or other evidence to the reasonable satisfaction of Norwood that any such certificate has been lost, wrongfully taken or destroyed;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(ii)&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">such security or indemnity as may be reasonably requested by Norwood to indemnify and hold Norwood harmless in respect of such stock certificate(s); and</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-8</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(iii)&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">evidence to the reasonable satisfaction of Norwood that such holder is the owner of shares of Delaware Common Stock theretofore represented by each certificate claimed by such holder to be lost, wrongfully taken or destroyed and that such holder is the person who would be entitled to present each such certificate for exchange pursuant to this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>If the delivery of the Merger Consideration contemplated by this Agreement is to be made to a person other than the person in whose name any certificate representing shares of Delaware Common Stock surrendered is registered, such certificate so surrendered shall be properly endorsed (or accompanied by an appropriate instrument of transfer), with the signature(s) appropriately guaranteed, and otherwise in proper form for transfer, and the person requesting such delivery shall pay any transfer or other taxes required by reason of the delivery to a person other than the registered holder of such certificate surrendered or establish to the reasonable satisfaction of Norwood that such tax has been paid or is not applicable.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>No dividends or other distributions declared with respect to Norwood Common Stock shall be paid to the holder of any unsurrendered certificate or certificates representing shares of Delaware Common Stock entitled to be converted into Norwood Common Stock until the holder thereof shall surrender such certificate or certificates in accordance with this Section 2.3.&#160;&#160;Following the surrender of such certificate or certificates in accordance with this Section 2.3, the record holder thereof shall be entitled to receive any such dividends or other distributions, without interest thereon, which theretofore had become payable with respect to the whole shares of Norwood Common Stock which the shares of Delaware Common Stock represented by such certificate or certificates have been converted into the right to receive.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Except as provided herein, the consideration contemplated by this Agreement shall not be paid to the holder of any unsurrendered certificate or certificates representing shares of Delaware Common Stock, and neither the Exchange Agent nor Norwood shall be obligated to deliver any of the Merger Consideration contemplated by this Agreement until such holder shall surrender the certificate or certificates representing shares of Delaware Common Stock as provided for by this Agreement.&#160;&#160;Subject to applicable laws, following surrender of any such certificate or certificates, there shall be paid to the holder of the certificate or certificates formerly representing shares of Delaware Common Stock, without interest at the time of such surrender, the Merger Consideration.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>At any time following six months after the Effective Time, Norwood shall be entitled to require the Exchange Agent to deliver to it any portion of the Exchange Fund which has not yet been disbursed to former holders of shares of Delaware Common Stock, and thereafter, such holders shall be entitled to look to Norwood (subject to abandoned property and escheat laws) with respect to any amounts due upon surrender of their certificates formerly representing shares of Delaware Common Stock.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(h)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Norwood or the Exchange Agent will be entitled to deduct and withhold from the Merger Consideration otherwise payable pursuant to this Agreement or the transactions contemplated hereby to any holder of shares of Delaware Common Stock, such amounts as Norwood (or any Affiliate thereof) or the Exchange Agent is required to deduct and withhold with respect to the making of such payment under the Code, or any applicable provision of U.S. </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-9</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">federal, state, local or non-U.S. Tax law.&#160;&#160;To the extent that such amounts are properly withheld by Norwood or the Exchange Agent, such withheld amounts will be treated for all purposes of this Agreement as having been paid to the holder of the shares of Delaware Common Stock in respect of whom such deduction and withholding were made by Norwood or the Exchange Agent.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 2.4<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Determination of Alternative Structures</font>.&#160;&#160;Delaware hereby agrees that Norwood may at any time change the method of effecting the Merger; provided, however, that no such changes shall (a) alter or change the amount or kind of the Merger Consideration to be paid to holders of the shares of Delaware Common Stock, (b) materially impede or delay consummation of the transactions contemplated by this Agreement, or (c) adversely affect the tax treatment of Delaware&#8217;s stockholders as a result of receiving the Merger Consideration or the tax treatment of any Party pursuant to this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 2.5<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Laws of Escheat</font>.&#160;&#160;If any of the consideration due or other payments to be paid or delivered to the holders of shares of Delaware Common Stock is not paid or delivered within the time period specified by any applicable laws concerning abandoned property, escheat or similar laws, and if such failure to pay or deliver such consideration occurs or arises out of the fact that such property is not claimed by the proper owner thereof, Norwood or the Exchange Agent shall be entitled to dispose of any such consideration or other payments in accordance with applicable laws concerning abandoned property, escheat or similar laws.&#160;&#160;Any other provision of this Agreement notwithstanding, none of Delaware, Norwood, the Exchange Agent, nor any other Person acting on behalf of any of them shall be liable to a holder of shares of Delaware Common Stock for any amount paid or property delivered in good faith to a public official pursuant to and in accordance with any applicable abandoned property, escheat or similar law.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 2.6<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Appraisal Rights.&#160;&#160;</font>Each issued and outstanding share of Delaware Common Stock the holder of which has perfected his right to dissent under the NYBCL and has not effectively withdrawn or lost such right as of the Effective Time (the &#8220;Dissenting Shares&#8221;) shall not be converted into or represent a right to receive the per share Merger Consideration hereunder, and the holder thereof shall be entitled only to such rights as are granted by the NYBCL.&#160;&#160;Delaware shall give Norwood prompt notice upon receipt by Delaware of any such demands for payment of the fair value of such shares of Delaware Common Stock, any withdrawals of such notice and any other instruments provided pursuant to applicable law (any stockholder duly making such demand being hereinafter called a &#8220;Dissenting Stockholder&#8221;), and Norwood shall have the right to participate in all negotiations and proceedings with respect to any such demands.&#160;&#160;Delaware shall not, except with the prior written consent of Norwood, voluntarily make any payment with respect to, or settle or offer to settle, any such demand for payment, or waive any failure to timely deliver a written demand for appraisal or the taking of any other action by such Dissenting Stockholder as may be necessary to perfect appraisal rights under the NYBCL.&#160;&#160;Any payments made in respect of Dissenting Shares shall be made by the Surviving Entity.&#160;&#160;If any Dissenting Stockholder shall effectively withdraw or lose (through failure to perfect or otherwise) his right </font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-10</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">to such payment at or prior to the Effective Time, such holder&#8217;s shares of Delaware Common Stock shall be converted into a right to receive cash or Norwood Common Stock in accordance with the applicable provisions of this Agreement.&#160;&#160;If such holder shall effectively withdraw or lose (through failure to perfect or otherwise) his right to such payment after the Effective Time (or the Election Deadline), each share of Delaware Common Stock of such holder shall be treated as a Non-Election Share.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 2.7<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Anti-Dilution</font><font style="DISPLAY: inline">.&#160;</font><font style="DISPLAY: inline">&#160;</font>If Norwood changes the number or kind of shares of Norwood Common Stock outstanding by way of a stock split, stock dividend, recapitalization, reclassification, reorganization or similar transaction, then the Stock Consideration will be adjusted proportionately to account for such change and all references herein to the term Stock Consideration will be deemed to mean the Stock Consideration as adjusted.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 3</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">REPRESENTATIONS AND WARRANTIES OF </font><font style="TEXT-DECORATION: underline; DISPLAY: inline">DELAWARE</font><font style="TEXT-DECORATION: underline; DISPLAY: inline"> AND NBDC BANK</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and NBDC Bank hereby represent and warrant to Norwood and Wayne as follows as of the date hereof and as of all times up to and including the Effective Time of the Merger (except as otherwise provided):</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Corporate Organization</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware is a corporation duly organized, validly existing and in good standing under the laws of the State of New York.&#160;&#160;Delaware has the corporate power and authority to own or lease all of its properties and assets and to carry on its business as such business is now being conducted, and is duly licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets leased by it makes such licensing or qualification necessary, except where the failure to be so licensed or qualified (or steps necessary to cure such failure) would not have a Material Adverse Effect on Delaware.&#160;&#160;Delaware is duly registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the &#8220;BHCA&#8221;).&#160;&#160;True and correct copies of the Certificate of Incorporation and the Bylaws of Delaware, each as amended to the date hereof, have been delivered to Norwood and such Certificate of Incorporation and Bylaws are in full force and effect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware has in effect all federal, state, local and foreign governmental, regulatory and other authorizations, permits and licenses necessary for it to own or lease its properties and assets and to carry on its business as now conducted, the absence of which, either individually or in the aggregate, would have a Material Adverse Effect on Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">NBDC Bank is a national bank, duly organized, validly existing and in good standing under the laws of the United States of America.&#160;&#160;NBDC Bank is a member in good standing of each of the Federal Home Loan Bank (&#8220;FHLB&#8221;) and the Federal Reserve Bank of New York and owns the requisite amount of stock therein. NBDC Bank has the corporate power and authority to own or lease all of its properties and assets and to carry on its business as such business is now being conducted.&#160;&#160;True and correct copies of the Articles of Association and the Bylaws of NBDC Bank, each as amended to the date hereof, have been delivered to Norwood and such Articles of Association and Bylaws are in full force and effect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-11</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The respective minute books of Delaware and NBDC Bank contain complete and accurate records in all material respects of all meetings and other corporate actions held or taken by its shareholders and Boards of Directors (including all committees thereof).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each direct and indirect subsidiary of Delaware (other than NBDC Bank) is a corporation, business trust, limited liability company or partnership duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation or organization.&#160;&#160;Each subsidiary has the corporate or requisite power or authority to own or lease all of its properties and assets and to carry on its business as such business is now being conducted, and is duly licensed or qualified to do business in all such places where the nature of the business being conducted by each subsidiary or the character or location of the properties or assets owned or leased by each subsidiary makes such qualification necessary, except where the failure to be so licensed or qualified (or steps necessary to cure such failure) would not have a Material Adverse Effect on Delaware.&#160;&#160;All of such subsidiaries and other entities are in compliance with all applicable laws, rules and regulations relating to direct investment in equity ownership interests.&#160;&#160;A true and correct list of all direct and indirect subsidiaries of Delaware (including NBDC Bank, each a &#8220;Delaware Subsidiary&#8221; and collectively, the &#8220;Delaware Subsidiaries&#8221;) is attached hereto as Schedule 3.1(e).&#160;&#160;Such schedule details the jurisdiction of organization, type of entity, percentage ownership and a brief description of the activities conducted by such Delaware Subsidiary.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Capitalization</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;(</font>a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>The authorized capital stock of Delaware consists of 1,500,000 shares of Delaware Common Stock, of which 925,499 are issued and outstanding as of the date hereof and at the Effective Time and 151,312 shares are held in the treasury of Delaware.&#160;&#160;All of the issued and outstanding shares of Delaware Common Stock have been duly authorized and validly issued and all such shares are fully paid and nonassessable, and subject to no preemptive rights and were not issued in violation of any preemptive rights.&#160;&#160;There are no outstanding options, warrants, commitments, or other rights or instruments to purchase or acquire any shares of capital stock of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font></font>(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Except as set forth on Schedule 3.2(b), Delaware owns, directly, or indirectly, all of the capital stock of NBDC Bank and the other Delaware Subsidiaries, free and clear of any liens, security interests, pledges, charges, encumbrances, agreements and restrictions of any kind or nature.&#160;&#160;All the equity securities of each Delaware Subsidiary held by Delaware or the Delaware Subsidiaries have been duly authorized and are validly issued and outstanding, fully paid and nonassessable (except with respect to NBDC Bank, as provided in 12 U.S.C. &#167;55)&#160;&#160;There are no subscriptions, options, commitments, calls or other agreements outstanding with respect to the capital stock of NBDC Bank or any other Delaware Subsidiary.&#160;&#160;Except for the Delaware Subsidiaries, Delaware does not possess, directly or indirectly, any material equity interest in any entity, except for equity interests in NBDC Bank&#8217;s investment portfolio as set forth in Schedule 3.2(b).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Since January 1, 2013, each offering or sale of shares of securities of Delaware (i) was either registered under the Securities Act of 1933, as amended (&#8220;Securities Act&#8221;), or made pursuant to a valid exemption from registration, (ii) complied in all material respects with the applicable requirements of the Securities Act and regulations thereunder and </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-12</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">state &#8220;blue sky&#8221; laws including disclosure and broker/dealer registration requirements and (iii) was made pursuant to offering documents which did not, at the time of the offering (or, in the case of a registration statement, at the time of effectiveness) contain any untrue statement of a material fact or omit to state a material fact required to be stated in the offering documents or necessary in order to make the statements in such offering documents not misleading.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Financial Statements; Filings</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware has previously delivered to Norwood copies of the audited consolidated financial statements of Delaware as of and for the years ended December 31, 2014, December 31, 2013 and December 31, 2012 and the unaudited consolidated financial statements for the nine months ended September 30, 2015, and Delaware shall deliver to Norwood, as soon as practicable following the preparation of additional financial statements for each subsequent calendar quarter (or other reporting period) or year of Delaware, the additional financial statements of Delaware as of and for such subsequent calendar quarter (or other reporting period) or year (such financial statements, unless otherwise indicated, being hereinafter referred to collectively as the &#8220;Financial Statements of Delaware&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">NBDC Bank has previously delivered to Norwood copies of the Consolidated Reports of Condition and Income (&#8220;Call Reports&#8221;) of NBDC Bank as of and for each of the years ended December 31, 2015, December 31, 2014 and December 31, 2013 and NBDC Bank shall deliver to Norwood, as soon as practicable following the preparation of additional Call Reports for each subsequent calendar quarter (or other reporting period) or year (such Call Reports, unless otherwise indicated, being hereinafter referred to collectively as the &#8220;Financial Regulatory Reports of NBDC Bank&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each of the Financial Statements of Delaware and each of the Financial Regulatory Reports of NBDC Bank (including the related notes, where applicable) have been or will be prepared in all material respects in accordance with GAAP or regulatory accounting principles, whichever is applicable, which principles have been or will be consistently applied by Delaware during the periods involved, except as otherwise noted therein, the books and records of Delaware and NBDC Bank have been, are being, and will be maintained in all material respects in accordance with applicable legal and accounting requirements and reflect only actual transactions.&#160;&#160;Each of the Financial Statements of Delaware and each of the Financial Regulatory Reports of NBDC Bank (including the related notes, where applicable) fairly presents or will fairly present the financial position of Delaware or NBDC Bank, as applicable, as of the respective dates thereof and fairly presents or will fairly present the results of operations of Delaware or NBDC Bank, as applicable, for the respective periods therein set forth.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To the extent not prohibited by law, Delaware has heretofore delivered or made available, or caused to be delivered or made available, to Norwood all reports and filings made or required to be made by Delaware or NBDC Bank with the Regulatory Authorities, and will from time to time hereafter furnish to Norwood, upon filing or furnishing the same to the Regulatory Authorities, all such material reports and filings made after the date hereof with the Regulatory Authorities.&#160;&#160;Each such report (including the financial statements, exhibits and schedules thereto) complied in all material respects with the applicable statutes, rules, regulations and orders enforced by the Regulatory Authority with which they were filed.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-13</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Since December 31, 2014, neither Delaware nor any of the Delaware Subsidiaries has incurred any obligation or liability (contingent or otherwise) that has or might reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Delaware except obligations and liabilities which are accrued or reserved against in the Financial Statements of Delaware or the Financial Regulatory Reports of NBDC Bank, or reflected in the notes thereto.&#160;&#160;Since December 31, 2014, neither Delaware nor any of the Delaware Subsidiaries has incurred or paid any obligation or liability which would be material to Delaware, except as may have been incurred or paid in the ordinary course of business, consistent with past practices or as disclosed in the Financial Statements of Delaware or the Financial Regulatory Reports of NBDC Bank.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.4<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Loan Portfolio; Reserves</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All evidences of indebtedness reflected as assets in the Financial Statements of Delaware were (or will be, as the case may be) as of such dates in all respects (i) were made for good, adequate, and valuable consideration in the ordinary course of business, (ii) are evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (iii) to the extent carried on the books and records as secured loans, have been secured by valid liens which have been perfected, and (iv) are the binding obligations of the respective obligors named therein in accordance with their respective terms, and were not subject to any defenses, setoffs, or counterclaims, except as may be provided by bankruptcy, insolvency or similar laws or by general principles of equity.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The allowances for possible loan losses shown on the Financial Statements of Delaware and the Financial Regulatory Reports of NBDC Bank were, and the allowance for possible loan losses to be shown on the Financial Statements of Delaware and the Financial Regulatory Reports of NBDC Bank as of any date subsequent to the execution of this Agreement will be, as of such dates, adequate (within the meaning of GAAP and applicable regulatory requirements or guidelines) to provide for possible losses, net of recoveries relating to loans previously charged off, in respect of loans outstanding (including accrued interest receivable) of Delaware and other extensions of credit (including letters of credit or commitments to make loans or extend credit).&#160;&#160;Neither Delaware nor NBDC Bank has been notified by any bank regulatory agency that its reserves are inadequate or that its practices and policies used in establishing its allowance and in accounting for delinquent and classified assets fail to comply with applicable accounting and regulatory requirements or that regulators or independent auditors believe that such reserves are inadequate or inconsistent with the historical loss experience of Delaware or NBDC Bank.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No agreement pursuant to which any loans or other assets have been or shall be sold by Delaware or any of the Delaware Subsidiaries entitles the buyer of such loans or other assets, unless there is material breach of a representation or covenant by Delaware or the Delaware Subsidiaries, to cause Delaware or any of the Delaware Subsidiaries to repurchase such loan or other asset or the buyer to pursue any other form of recourse against Delaware or any of the Delaware Subsidiaries. To the Knowledge of Delaware, there has been no material breach of a representation or covenant by Delaware or any of the Delaware Subsidiaries in any such agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-14</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.5<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Certain Loans and Related Matters</font>.&#160;&#160;Except as set forth in Schedule 3.5, neither Delaware nor any of the Delaware Subsidiaries is a party to any written or oral: (i) loan agreement, note or borrowing arrangement under the terms of which the obligor is sixty (60) days delinquent in payment of principal or interest or in default of any other provision as of the date hereof; (ii) loan agreement, note or borrowing arrangement which has been classified or, in the exercise of reasonable diligence by Delaware or any of the Delaware Subsidiaries, should have been classified (whether regulatory or internal) as &#8220;substandard,&#8221; &#8220;doubtful,&#8221; &#8220;loss,&#8221; &#8220;other loans especially mentioned,&#8221; &#8220;other assets especially mentioned,&#8221; &#8220;special mention,&#8221; &#8220;credit risk assets,&#8221; &#8220;classified,&#8221; &#8220;criticized,&#8221; &#8220;watch list,&#8221; &#8220;concerned loans&#8221; or any comparable classifications by such persons; (iii) loan agreement, note or borrowing arrangement, including any loan guaranty, with any director or executive officer of Delaware, any Delaware Subsidiary or any five percent (5%) shareholder of Delaware, or any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing; (iv) each asset of it or any of the Delaware Subsidiaries that, as of December 31, 2015, was classified as &#8220;Other Real Estate Owned&#8221; and the book value thereof; (v) loan where the interest rate terms have been reduced, principal reduced and/or the maturity extended due to concerns about the borrower&#8217;s ability to repay; (vi) loan where a specific reserve allocation exists in connection therewith; or (vii) loan agreement, note or borrowing arrangement in violation of any law, regulation or rule applicable to Delaware or any of the Delaware Subsidiaries including, but not limited to, those promulgated, interpreted or enforced by any Regulatory Authority.&#160;&#160;Schedule 3.5 specifies the name of the borrower, the amount of principal and the unpaid interest outstanding, together with a description of any collateral, for all such loans required to be disclosed.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.6<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Authority; No Violation</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and NBDC Bank have full corporate power and authority to execute and deliver this Agreement and, subject to the approval of the shareholders of Delaware and to the receipt of the Consents of the Regulatory Authorities, to consummate the transactions contemplated hereby.&#160;&#160;The Boards of Directors of Delaware and NBDC Bank have duly and validly approved this Agreement and the transactions contemplated hereby including the Bank Merger, have authorized the execution and delivery of this Agreement, have directed that this Agreement and the transactions contemplated hereby be submitted to Delaware&#8217;s shareholders for approval and have resolved to recommend its approval at a meeting of such shareholders and, except for the adoption of such Agreement by its shareholders, no other corporate proceeding on the part of Delaware or NBDC Bank is necessary to consummate the transactions so contemplated.&#160;&#160;This Agreement (assuming due authorization, execution and delivery by Norwood and Wayne) constitutes the valid and binding obligation of Delaware and NBDC Bank and is enforceable against Delaware and NBDC Bank in accordance with its terms, except as such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, receivership or similar laws affecting the enforcement of creditors&#8217; rights generally and except that the availability of the equitable remedy of specific performance or injunctive relief is subject to the discretion of the court before which any proceeding may be brought.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Neither the execution and delivery of this Agreement by Delaware or NBDC Bank nor the consummation by Delaware or NBDC Bank of the transactions contemplated hereby including the Bank Merger, nor compliance by Delaware or NBDC Bank with any of the terms or provisions hereof, will (i) violate any provision of the Certificate of Incorporation or Bylaws of Delaware or the Articles of Association or Bylaws of NBDC Bank or </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-15</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any governing documents of any of the other Delaware Subsidiaries, (ii) assuming that the Consents of the Regulatory Authorities and approvals referred to herein are duly obtained, violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Delaware or NBDC Bank or any of the other Delaware Subsidiaries or their respective properties or assets, or (iii) violate, conflict with, result in a breach of any provisions of, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of, accelerate the performance required by or result in the creation of any lien, security interest, charge or other encumbrance upon any of the respective properties or assets of Delaware or NBDC Bank or any of the other Delaware Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, permit, lease, agreement or other instrument or obligation to which Delaware, NBDC Bank or any of the other Delaware Subsidiaries is a party, or by which it or any of their properties or assets may be bound or affected, except in the case of clauses (ii) and (iii) as would not constitute a Material Adverse Effect on Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.7<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Consents and Approvals</font>.&#160;&#160;Except for (i) the approval of the shareholders of Delaware; (ii) the Consents of the Regulatory Authorities; and (iii) as set forth in Schedule 3.7, no Consents of any person are necessary in connection with the execution and delivery by Delaware and NBDC Bank of this Agreement, and the consummation of the Merger and the other transactions contemplated hereby.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.8<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Broker&#8217;s Fees</font>.&#160;&#160;Except for Sandler O&#8217;Neill + Partners, LP, whose engagement letter is set forth in Schedule 3.8, none of Delaware, any Delaware Subsidiary nor any of its officers or directors has employed any broker or finder or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with any of the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">Section 3.9<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Absence of Certain Changes or Events</font>.&#160;&#160;Except as set forth in Schedule 3.9, since December 31, 2014, there has not been (a) any declaration, payment or setting aside of any dividend or distribution (whether in cash, stock or property) in respect of shares of Delaware Common Stock or (b) any change or any event involving a prospective change in the financial condition, results of operations, business or prospects of Delaware, or a combination of any such change(s) and any such event(s), which has had, or is reasonably likely to have, a Material Adverse Effect on Delaware, including, without limitation, any change in the administration or in the supervisory standing of Delaware or NBDC Bank with any Regulatory Authority, and no fact or condition exists as of the date hereof which might reasonably be expected to cause any such event or change in the future.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.10<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Legal Proceedings; Etc</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Neither Delaware nor any of the Delaware Subsidiaries is a party to any, and there are no pending or, to the Knowledge of Delaware or any of the Delaware Subsidiaries, threatened, judicial, administrative, arbitral or other proceedings, claims, actions, causes of action or governmental investigations against Delaware or any of the Delaware Subsidiaries challenging the validity of the transactions contemplated by this Agreement. There is no proceeding, claim, action or governmental investigation pending or, to the Knowledge of Delaware or any of the Delaware Subsidiaries, threatened against Delaware or any of the Delaware Subsidiaries; no judgment, decree, injunction, rule or order of any court, governmental </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-16</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">department, commission, agency, instrumentality or arbitrator is outstanding against Delaware or any of the Delaware Subsidiaries which has had, or is reasonably likely to have, a Material Adverse Effect on Delaware; there is no default (or an event which, with notice or lapse of time, or both, would constitute a default) by Delaware or any of the Delaware Subsidiaries under any contract or agreement to which any of them is a party which has had, or is reasonably likely to have, a Material Adverse Effect on Delaware; and, neither Delaware nor any of the Delaware Subsidiaries is a party to any agreement, order or memorandum in writing by or with any Regulatory Authority restricting the operations of Delaware or any of the Delaware Subsidiaries, and neither Delaware nor any of the Delaware Subsidiaries has been advised by any Regulatory Authority that any such Regulatory Authority is contemplating issuing or requesting the issuance of any such order or memorandum in the future.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;There are no actions, suits, claims, proceedings or investigations of any kind pending or, to Delaware&#8217;s Knowledge, threatened against any of the directors or officers of Delaware or any of the Delaware Subsidiaries in their capacities as such, and no director or officer of Delaware or any of the Delaware Subsidiaries currently is being indemnified or seeking to be indemnified by Delaware or any of the Delaware Subsidiaries pursuant to applicable law or their governing documents.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.11<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Taxes and Tax Returns</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware has previously delivered or made available to Norwood copies of the federal, state and local income tax returns of Delaware and the Delaware Subsidiaries for the years 2014, 2013 and 2012 and all schedules and exhibits thereto, and Delaware has not received any notice that any such returns have been examined by the Internal Revenue Service or any other taxing authority.&#160;&#160;Delaware and the Delaware Subsidiaries have duly filed in correct form all federal, state and local information returns and tax returns required to be filed by Delaware or any of the Delaware Subsidiaries on or prior to the date hereof, unless subject to a validly filed extension of time for filing that has not yet expired and is disclosed on Schedule 3.11(a) hereto and all such tax returns are true and complete in all material respects, and Delaware has duly paid or made adequate provisions for the payment of all taxes and other governmental charges relating to taxes which are owed by Delaware or any of the Delaware Subsidiaries to any federal, state or local taxing authorities, whether or not reflected in such returns (including, without limitation, those owed in respect of the properties, income, business, capital stock, deposits, franchises, licenses, sales and payrolls of Delaware or any of the Delaware Subsidiaries), other than taxes and other charges which (i) are not yet delinquent or are being contested in good faith or (ii) have not been finally determined.&#160;&#160;The amounts set forth as liabilities for taxes on the Financial Statements of Delaware and the Financial Regulatory Reports of NBDC Bank are sufficient, in the aggregate, for the payment of all unpaid federal, state and local taxes (including any interest or penalties thereon), whether or not disputed, accrued or applicable, for the periods then ended, and have been computed in accordance with GAAP as consistently applied by Delaware during the periods involved.&#160;&#160;Delaware is not responsible for the taxes of any other person under Treasury Regulation 1.1502-6 or any similar provision of federal, state or foreign law.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No federal, state or local administrative proceedings or court proceedings, and no federal, state or local audits, examinations or investigations are presently pending with regard to any taxes or tax returns filed by or on behalf of Delaware or any of the Delaware </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-17</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Subsidiaries nor has Delaware or any of the Delaware Subsidiaries received any notification that any such audit or examination of any of its taxes or tax returns is being contemplated.&#160;&#160;Neither Delaware nor any of the Delaware Subsidiaries has executed an extension or waiver of any statute of limitations on the assessment or collection of any federal, state or local taxes due that is currently in effect, and deferred taxes of Delaware, have been adequately provided for in the Financial Statements of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Neither Delaware nor any of the Delaware Subsidiaries has made any payment, is obligated to make any payment or is a party to any contract, agreement or other arrangement that could obligate it to make any payment that would exceed the amounts that are eligible to be a deduction under Section 280G or 162(m) of the Code (or any corresponding provisions of state, local or foreign tax law).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">There has not been an ownership change, as defined in Section 382(g) of the Code, of Delaware that occurred during or after any taxable period in which Delaware incurred an operating loss that carries over to any taxable period ending after the fiscal year of Delaware immediately preceding the date of this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Proper and accurate amounts have been withheld by Delaware and the Delaware Subsidiaries from their employees and others for all prior periods in compliance in all material respects with the tax withholding provisions of all applicable federal, state and local laws and regulations, and proper due diligence steps have been taken in connection with back-up withholding; (ii) federal, state and local returns have been filed by Delaware and the Delaware Subsidiaries for all periods for which returns were due with respect to withholding, Social Security and unemployment taxes or charges due to any federal, state or local taxing authority; and (iii) the amounts shown on such returns to be due and payable have been paid in full or adequate provision therefor has been included by Delaware in the Financial Statements of Delaware.</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;None of Delaware, NBDC Bank or any Delaware Subsidiary is required to include in income any adjustment pursuant to Section 481(a) of the Code, no such adjustment has been proposed by the Internal Revenue Service and no pending request for permission to change any accounting method has been submitted by Delaware, NBDC Bank or any Delaware Subsidiary.</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Since January 1, 2012, no claim has been made by an authority in a jurisdiction where Delaware or any of the Delaware Subsidiaries do not file tax returns that Delaware or any of the Delaware Subsidiaries are or may be subject to taxation by that jurisdiction.&#160;&#160;There are no liens for taxes (other than taxes not yet due and payable) upon any of the assets of Delaware or any of the Delaware Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.12<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Employee Benefit Plans</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Schedule 3.12(a) contains a list of all written and unwritten pension, retirement, profit-sharing, thrift, savings, deferred compensation, stock option, employee stock ownership, employee stock purchase, restricted stock, severance pay, retention, vacation, bonus or other incentive plans, all employment, change in control, consulting, severance and retention agreements, all other written employee programs, arrangements or agreements, all medical, </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-18</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">vision, dental, disability, life insurance, long-term care, workers&#8217; compensation, employee assistance or other health or welfare plans, and all other employee benefit or fringe benefit plans, including &#8220;employee benefit plans&#8221; as that term is defined in Section 3(3) of ERISA, currently adopted, maintained by, sponsored in whole or in part by, or contributed to by Delaware, any Delaware Subsidiary or any of its ERISA Affiliates for the benefit of employees, former employees, retirees, dependents, spouses, directors, former directors, independent contractors or other beneficiaries of Delaware and under which employees, former employees, retirees, dependents, spouses, directors, former directors or other beneficiaries of Delaware are eligible to participate (collectively, the &#8220;Delaware Benefit Plans&#8221;).&#160;&#160;Such Delaware Benefit Plans shall also include any such plans or arrangements between Delaware or any Delaware Subsidiaries and any former employees, retirees, dependents, spouses, former directors, independent contractors or other beneficiaries of any prior entity previously acquired by Delaware or any Delaware Subsidiaries through merger or consolidation or similar transactions for which Delaware or Delaware Subsidiaries have or reasonably have an obligation, financial or otherwise, to any such individuals. Delaware has furnished or otherwise made available to Norwood true and complete copies of (i) the plan documents and summary plan descriptions for each written Delaware Benefit Plan, (ii) a summary of each unwritten Delaware Benefit Plan (if applicable), (iii) the annual report (Form 5500 series) for the three (3) most recent years for each Delaware Benefit Plan (if applicable), (iv) the actuarial valuation reports with respect to each tax-qualified Delaware Benefit Plan that is a defined benefit plan for the three (3) most recent years, (v) all related trust agreements, insurance contracts or other funding agreements which implement the Delaware Benefit Plans (if applicable), (vi) the most recent IRS determination letter with respect to each tax-qualified Delaware Benefit Plan (or, for a Delaware Benefit Plan maintained under a pre-approved prototype or volume submitter plan, the IRS determination letter on such pre-approved plan) and (vii) all substantive correspondence relating to any liability of or non-compliance relating to any Delaware Benefit Plan addressed to or received from the IRS, the Department of Labor, the Pension Benefit Guaranty Corporation (&#8220;PBGC&#8221;) or any other Governmental Entity within the past five (5) years.</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;</font>&#160;(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Schedule 3.12(b) identifies each Delaware Benefit Plan that may be subject to Section 409A of the Code (&#8220;Delaware Non-qualified Deferred Compensation Plan&#8221;), the aggregate amounts deferred, if any, and per-participant aggregate deferrals, under each such Delaware Non-qualified Deferred Compensation Plan as of the date specified therein. Each Delaware Non-qualified Deferred Compensation Plan has been documented and administered in compliance with Section 409A of the Code, including the final regulations promulgated with respect thereto, such that no taxes or penalties under Section 409A of the Code may be imposed on participants in such plans.</font></font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>All Delaware Benefit Plans are in material compliance with their respective terms (and have been established, operated and administered in all material respects in accordance with) the applicable terms of ERISA, the Code and any other applicable laws.&#160;&#160;Each Delaware Benefit Plan governed by ERISA that is intended to be a qualified retirement plan under Section 401(a) of the Code has either (i) received a favorable determination letter from the IRS (and Delaware is not aware of any circumstances likely to result in revocation of any such favorable determination letter) or timely application has been made therefore, or (ii) is maintained under a prototype plan which has been approved by the IRS and is entitled to rely upon the IRS National Office opinion letter issued to the prototype plan sponsor. To the Knowledge of Delaware or the Delaware Subsidiaries, there exists no fact which would </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-19</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">adversely affect the qualification of any of the Delaware Benefit Plans intended to be qualified under Section 401(a) of the Code, or any threatened or pending claim against any of the Delaware Benefit Plans or their fiduciaries by any participant, beneficiary or Governmental Entity. </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Except as set forth on Schedule 3.12(d), no &#8220;defined benefit plan&#8221; (as defined in Section 414(j) of the Code) has been maintained at any time by Delaware, any Delaware Subsidiary or any of its ERISA Affiliates for the benefit of the employees or former employees of Delaware or any of the Delaware Subsidiaries. Schedule 3.12(d) sets forth an estimate of any financial reporting expense that would be incurred by such plan upon the termination of any such defined benefit plan set forth therein assuming a termination date of December 31, 2015.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Within the last six (6) years, none of Delaware, any Delaware Subsidiary nor any of its ERISA Affiliates maintained or had any obligation to contribute to a Delaware Benefit Plan which is a &#8220;multiemployer plan&#8221; within the meaning of Section 3(37) of ERISA, and within the last six (6) years neither Delaware nor any of its ERISA Affiliates has incurred any withdrawal liability within the meaning of Section 4201 of ERISA to any such &#8220;multiemployer plan.&#8221;&#160;&#160;With respect to each Delaware Benefit Plan or any other ongoing, frozen or terminated &#8220;single employer plan&#8221; within the meaning of Section 4001(a)(15) of ERISA, currently or formerly maintained by Delaware, any Delaware Subsidiary,&#160;&#160;or any of its ERISA Affiliates, (i) no such plan is in &#8220;at-risk&#8221; status for purposes of Section 430 of the Code, (ii) no reportable event has occurred within the meaning of Section 4043(c) of ERISA for which the 30-day notice requirement has not been waived, (iii) all premiums required to be paid to the Pension Benefit Guaranty Corporation (the &#8220;PBGC&#8221;) have been timely paid in full, (iv) no unsatisfied liability (other than for premiums to the PBGC) under Title IV of ERISA has been or is expected to be incurred by Delaware or any Delaware Subsidiary, (v) the PBGC has not instituted proceedings to terminate any such plan, and (vi)&#160;&#160;no other event or condition exists that could reasonably be expected to result in the imposition of any liability on Delaware or any of its ERISA Affiliates under such provisions or that could reasonably be expected to have an adverse effect on Norwood or Wayne.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware has complied in all material respects with the notice and continuation requirements of Parts 6 and 7 of Subtitle B of Title I of ERISA and Section 4980B of the Code (&#8220;COBRA&#8221;), and the regulations thereunder. All reports, statements, returns and other information required to be furnished or filed with respect to Delaware Benefit Plans have been timely furnished, filed or both in accordance with Sections 101 through 105 of ERISA and Sections 6057 through 6059 of the Code, and they are true, correct and complete.&#160;&#160;Records with respect to Delaware Benefit Plans have been maintained in compliance with Section 107 of ERISA. Neither Delaware nor any other fiduciary (as that term is defined in Section 3(21) of ERISA) with respect to any of Delaware Benefit Plans has any liability for any breach of any fiduciary duties under Sections 404, 405 or 409 of ERISA.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Delaware has not, with respect to any Delaware Benefit Plan, nor, to Knowledge of Delaware, has any administrator of any Delaware Benefit Plan, the related trusts or any trustee thereof, engaged in any prohibited transaction which would subject Delaware, any ERISA Affiliate of Delaware, or any Delaware Benefit Plan to a tax or penalty on prohibited transactions imposed by ERISA, Section 4975 of the Code, or to any other liability under </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-20</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">ERISA.&#160;&#160;All contributions required to be made to any Delaware Benefit Plan by applicable law or by any plan document or other contractual undertaking, and all premiums due or payable with respect to insurance policies funding any Delaware Benefit Plan, for any period through the date hereof, have been timely made or paid in full or, to the extent not required to be made or paid on or before the date hereof, have been fully reflected on the books and records of Delaware and any Delaware Subsidiary.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as set forth on Schedule 3.12(h), Delaware has no liability or obligation for post-termination of service or post-retirement health, medical, long-term care, life insurance or other benefits or perquisites under any Delaware Benefit Plan other than any benefits required under COBRA or similar state laws.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as set forth on Schedule 3.12(i), neither the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby will (A) result in any payment (including severance or termination pay) becoming due to any director, employee or other service provider of Delaware or any Delaware Subsidiary from or under any Delaware Benefit Plan, (B) increase any benefits otherwise payable under any Delaware Benefit Plan (C) result in any acceleration of the time of payment or vesting of any such benefit, or trigger any payment or funding obligation through a grantor trust or otherwise of such compensation or benefits, or (D) result in any breach or violation of, or a default under, any Delaware Benefit Plan.&#160;&#160;Except as set forth (with detailed calculations) on Schedule 3.12(i),&#160;&#160;no payment which is or may be made by, from or with respect to any Delaware Benefit Plan, either alone or in conjunction with any other payment will or could properly be characterized as an &#8220;excess parachute payment&#8221; under Section 280G of the Code on which an excise tax under Section 4999 of the Code is payable or will or could, either individually or collectively, provide for any payment by Delaware or any of its ERISA Affiliates that would not be deductible under Code Section 162(m).&#160;&#160;No Delaware Benefit Plan provides for the indemnification, gross-up or reimbursement of any taxes which may be incurred by a participant under any such plan with respect to Sections 409A or 4999 of the Code, or otherwise as a result of the transactions contemplated hereby.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except as set forth on Schedule 3.12(j), the actuarial present values of all&#160;&#160;benefits obligations with respect to the Delaware Non-qualified Deferred Compensation Plans (including entitlements under any executive compensation, director plans, supplemental retirement, or employment agreement) of employees,&#160;&#160;former employees, directors and former directors and their respective beneficiaries of Delaware (including any predecessor entities), other than entitlements accrued pursuant to funded retirement plans subject to the provisions of Section 412 of the Code or Section 302 of ERISA, have been fully reflected on the Financial Statements of Delaware to the extent required by and in accordance with GAAP.&#160;&#160;Additionally, Schedule 3.12(j) sets forth the actuarial present values of all projected benefits obligations with respect to the Delaware Non-qualified Deferred Compensation Plans (including entitlements under any executive compensation, director plans, supplemental retirement, or employment agreement) of employees, and former employees, directors and former directors and their respective beneficiaries of Delaware (including any predecessor entities), including any such obligations that will become vested or will accelerate as a result of the Merger or the termination of service of such individuals upon the Effective Time of the Merger assuming that such Effective Time is as of the date stated.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-21</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(k)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>There is not, and has not been, any trust or fund maintained by or contributed to by Delaware or its employees to fund an employee benefit plan which would constitute a Voluntary Employees&#8217; Beneficiary Association or a &#8220;welfare benefit fund&#8221; within the meaning of Section 419(a) of the Code.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(l)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>There are no pending or threatened claims (other than claims for benefits in the ordinary course), lawsuits or arbitrations or other actions that have been asserted or instituted, and, to the Knowledge of Delaware or any Delaware Subsidiary, no set of circumstances exists that may reasonably be likely to give rise to any such claim or lawsuit, against the Delaware Benefit Plans, any fiduciaries thereof with respect to their duties to the Delaware Benefit Plans or the assets of any of the trusts under any of the Delaware Benefit Plans, that could in any case reasonably be likely to result in any liability of Delaware or any Delaware Subsidiaries to the PBGC, the IRS, the Department of Labor, any Multiemployer Plan, a Multiple Employer Plan, any participant in a Delaware Benefit Plan, or any other party.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(m)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>None of Delaware, any Delaware Subsidiary, any Employee Benefit Plan or any employee, administrator or agent thereof, is or has been in material violation of any applicable transaction code set rules under HIPAA &#167;&#167; 1172-1174 or the HIPAA privacy rules under 45 CFR Part 160 and subparts A and E of Part 164.&#160;&#160;No penalties have been imposed on Delaware, any Employee Benefit Plan, or any employee, administrator or agent thereof, under HIPAA &#167; 1176 or &#167; 1177.&#160;&#160;For purposes of this Agreement, &#8220;HIPAA&#8221; means the provisions of the Code and ERISA as enacted by the Health Insurance Portability and Accountability Act of 1996.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(n)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Delaware and the Delaware Subsidiaries&#160;have obtained the written consent of each director and employee on whose behalf bank owned life insurance (&#8220;BOLI&#8221;) has been purchased.&#160; Delaware and the Delaware Subsidiaries have taken all actions necessary to comply with applicable law in connection with all purchases of BOLI.&#160; Schedule 3.12(n) sets forth all BOLI owned by Delaware&#160;or any Delaware&#160;Subsidiary, a breakdown of the cash surrender values on each policy, the beneficiaries of such policy and a list of the lives insured thereunder.&#160;&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.13<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Title and Related Matters</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and the Delaware Subsidiaries have good and marketable title, and as to owned real property, have marketable title in fee simple absolute, to all assets and properties, real or personal, tangible or intangible, reflected as owned on the Financial Statements of Delaware or the Financial Regulatory Reports of NBDC Bank or acquired subsequent thereto (except to the extent that such assets and properties have been disposed of for fair value in the ordinary course of business since December 31, 2014), free and clear of all liens, encumbrances, mortgages, security interests, restrictions, pledges or claims, except for (i) those liens, encumbrances, mortgages, security interests, restrictions, pledges or claims reflected in the Financial Statements of Delaware and the Financial Regulatory Reports of NBDC Bank or incurred in the ordinary course of business after December 31, 2014, (ii) statutory liens for amounts not yet delinquent or which are being contested in good faith, and (iii) liens, encumbrances, mortgages, security interests, pledges, claims and title imperfections that are not in the aggregate material to the financial condition, results of operations, business or prospects of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-22</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All agreements pursuant to which Delaware or any of the Delaware Subsidiaries leases, subleases or licenses material real or material personal properties from others are valid, binding and enforceable in accordance with their respective terms, and there is not, under any of such leases or licenses, any existing default or event of default, or any event which with notice or lapse of time, or both, would constitute a default or force majeure, or provide the basis for any other claim of excusable delay or nonperformance, except for defaults which individually or in the aggregate would not have a Material Adverse Effect on Delaware.&#160;&#160;Delaware or one of the Delaware Subsidiaries has all right, title and interest as a lessee under the terms of each lease or sublease, free and clear of all liens, claims or encumbrances (other than the rights of the lessor) as of the Effective Time of the Merger, and, except as set forth on Schedule 3.13(b), Norwood shall have the right to assume each lease or sublease pursuant to this Agreement and by operation of law.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Except as set forth in Schedule 3.13(c), (i) all of the buildings, structures and fixtures owned, leased or subleased by Delaware and the Delaware Subsidiaries are in good operating condition and repair, subject only to ordinary wear and tear and/or minor defects which do not interfere with the continued use thereof in the conduct of normal operations, and (ii) all of the material personal properties owned, leased or subleased by Delaware or the Delaware Subsidiaries are in good operating condition and repair, subject only to ordinary wear and tear and/or minor defects which do not interfere with the continued use thereof in the conduct of normal operations.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.14<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Real Estate</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Schedule 3.14(a) identifies each parcel of real estate or interest therein owned, leased or subleased by Delaware or any of the Delaware Subsidiaries or in which Delaware or any of the Delaware Subsidiaries has any ownership or leasehold interest.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Schedule 3.14(b) lists or otherwise describes each and every written or oral lease or sublease, together with the current name, address and telephone number of the landlord or sublandlord and the landlord&#8217;s property manager (if any), under which Delaware or any of the Delaware Subsidiaries is the lessee of any real property and which relates in any manner to the operation of the businesses of Delaware or any of the Delaware Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">None of Delaware or any of the Delaware Subsidiaries has violated in any material respect, or is currently in violation in any material respect of, any law, regulation or ordinance relating to the ownership or use of the real estate and real estate interests described in Schedules 3.14(a) and 3.14(b) including, but not limited to any law, regulation or ordinance relating to zoning, building, occupancy, environmental or comparable matter.&#160;&#160;As to each parcel of real property owned or used by Delaware or any of the Delaware Subsidiaries, neither Delaware nor the respective Delaware Subsidiary has received notice of any pending or, to the Knowledge of Delaware or the Delaware Subsidiary, threatened condemnation proceedings, litigation proceedings or mechanic&#8217;s or materialmen&#8217;s liens.</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.15<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Environmental Matters</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each of Delaware, the Delaware Subsidiaries, all property owned or used by Delaware or the Delaware Subsidiaries, the Participation Facilities (as defined in Section 11.1 of this Agreement), and, to the Knowledge of Delaware or any of the Delaware Subsidiaries, the Loan Properties (as defined in Section 11.1 </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-23</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">of this Agreement) are, and have been, in compliance, and there are no present circumstances that would prevent or interfere with the continuation of such compliance with all applicable Environmental Laws.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">There is no suit, claim, action, demand, executive or administrative order, directive, investigation or proceeding pending or, to the Knowledge of Delaware or any of the Delaware Subsidiaries, threatened before any court, governmental agency, board or other forum in which Delaware, any of the Delaware Subsidiaries or any Participation Facility has been or, with respect to threatened action, may be, named as defendant (i) for alleged noncompliance (including by any predecessor), with respect to any Environmental Law (as defined below) or (ii) relating to the release into the environment of any Hazardous Material (as defined below), whether or not occurring at, on or involving a site owned, leased or operated by Delaware, the Delaware Subsidiaries or any Participation Facility.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">There is no litigation pending or, to the Knowledge of Delaware or any of the Delaware Subsidiaries, threatened before any court, governmental agency or board or other forum in which any Loan Property (or Delaware or any of the Delaware Subsidiaries in respect of such Loan Property) has been named as a defendant or potentially responsible party (i) for alleged noncompliance (including by any predecessor) with any Environmental Law (ii) relating to the release into the environment of any Hazardous Material, whether or not occurring at, on or involving a Loan Property or (iii) with respect to any property at or to which hazardous materials were generated, manufactured, refined, transported, transferred, imported, used, disposed, treated or processed by Delaware or any Delaware Subsidiary, or any Participation Facility or from which Hazardous Materials have been transported, treated, stored, handled, transferred disposed, recycled or received.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To the Knowledge of Delaware or any of the Delaware Subsidiaries, there is no reasonable basis for any action of a type described in Section 3.15(b) and Section 3.15(c) of this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During the period of (i) ownership or operation by Delaware or any of the Delaware Subsidiaries of any of its current properties, or (ii) participation by Delaware or any of the Delaware Subsidiaries in the management of any Participation Facility, and to the Knowledge of Delaware and any of the Delaware Subsidiaries, during the period of holding by Delaware or any of the Delaware Subsidiaries of a security interest in any Loan Property, there have been no releases of Hazardous Material in, on, under or affecting such properties.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Prior to the period of (i) ownership or operation by Delaware or any of the Delaware Subsidiaries of any of its current properties, (ii) participation by Delaware or any of the Delaware Subsidiaries in the management of any Participation Facility, or (iii) holding by Delaware or any of the Delaware Subsidiaries of a security interest in any Loan Property, to the Knowledge of Delaware or any of the Delaware Subsidiaries, there were no releases of Hazardous Material in, on, under or affecting any such property, Participation Facility or Loan Property.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">There are no underground storage tanks on, in or under any properties owned or operated by Delaware or any of the Delaware Subsidiaries or any Participation Facility </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-24</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">and, to the Knowledge of Delaware, no underground storage tanks have been closed or removed from any properties owned or operated by Delaware or any of the Delaware Subsidiaries or any Participation Facility except in compliance with Environmental Law.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(h)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Except as disclosed on Schedule 3.15(h), neither Delaware nor any Delaware Subsidiary has conducted or received from other parties any environmental studies during the past ten years (other than Phase I or Phase II studies which did not indicate any contamination of the environment by Hazardous Material above reportable levels) with respect to any property owned, lease or operated by Delaware or any Delaware Subsidiary, any Participation Facility or any Loan Property.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.16<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Commitments and Contracts</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Except as set forth in Schedule 3.16(a), neither Delaware nor any of the Delaware Subsidiaries is a party or subject to any of the following (whether written or oral, express or implied):</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any employment, severance or consulting contract or understanding (including any understandings or obligations with respect to severance or termination pay liabilities or fringe benefits) with any present or former officer, director or employee, including in any such person&#8217;s capacity as a consultant (other than those which either are terminable at will without any further amount being payable thereunder or as a result of such termination by Delaware or any of the Delaware Subsidiaries);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(ii)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any labor contract or agreement with any labor union;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(iii)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any contract covenants which limit the ability of Delaware or any of the Delaware Subsidiaries to compete in any line of business or which involve any restriction of the geographical area in which Delaware or any of the Delaware Subsidiaries may carry on its businesses (other than as may be required by law or applicable regulatory authorities);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(iv)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any agreement which by its terms limits the payment of dividends by Delaware or any of the Delaware Subsidiaries;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(v)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any lease or other agreements or contracts with annual payments aggregating $50,000 or more;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(vi)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any instrument evidencing or related to borrowed money (other than as lender, deposits, FHLB of New York advances or securities sold under agreement to repurchase) or that contain financial covenants or other restrictions (other than those relating to the payment of principal and interest when due);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(vii)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any contract not terminable without cause within 60 days&#8217; notice or less without penalty or that obligates Delaware for the payment of $50,000 annually over its remaining term;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(viii)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">any other contract, agreement, commitment or understanding (whether or not oral) that is material to the financial condition, results of operations or business of Delaware or any of the Delaware Subsidiaries, taken as a whole; and</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-25</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(ix)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;any other contract or agreement which would be required to be disclosed in reports filed (or that would be filed if Delaware were subject to such requirements) by Delaware with the Securities and Exchange Commission (&#8220;SEC&#8221;), the Office of the Comptroller of the Currency (&#8220;OCC&#8221;) or the Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;) or the Board of Governors of the Federal Reserve System (&#8220;FRB&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Collectively, those contracts or agreements listed on Schedule 3.16(a) are referred to herein as the &#8220;Contracts&#8221;.&#160;&#160;True and correct copies of Contracts have been provided to Norwood on or before the date hereof, as listed in the respective disclosure schedules and are in full force and effect on the date hereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Except as set forth on Schedule 3.16(b), there is not, under any Contract to which Delaware or any of the Delaware Subsidiaries is a party, any existing default or event of default, or any event which with notice or lapse of time, or both, would constitute a default or force majeure, or provide the basis for any other claim of excusable delay or non-performance.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Except as set forth on Schedule 3.16(c), (i) neither the execution of this Agreement nor the consummation of the transactions contemplated hereby will result in termination of any of the Contracts or modify or accelerate any of the terms of such Contracts; and (ii) no consents are required to be obtained and no notices are required to be given in order for the Contracts to remain effective, without any modification or acceleration of any of the terms thereof, following the consummation of the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Schedule 3.16(d) lists the deadlines for extensions or terminations of any material leases, agreements or licenses (including specifically data processing agreements) listed on Schedule 3.16(a) to which Delaware or any of the Delaware Subsidiaries is a party.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">To the Knowledge of Delaware, there are no voting agreements or voting trusts among shareholders of Delaware relating to their ownership of Delaware Common Stock.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.17<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Regulatory Matters</font>.&#160;&#160;Neither Delaware nor any of the Delaware Subsidiaries has taken or agreed to take any action or has any Knowledge of any fact or has agreed to any circumstance that would materially impede or delay receipt of any Consents of any Regulatory Authorities referred to in this Agreement including, without limitation, matters relating to the Bank Secrecy Act and Community Reinvestment Act and protests thereunder.&#160;&#160;NBDC Bank was rated at least &#8220;Satisfactory&#8221; following its most recent Community Reinvestment Act examination.&#160;&#160;NBDC Bank has not received any notice of and has no Knowledge of any planned or threatened objection by any community group to the Merger or the Bank Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.18<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Registration/Repurchase Obligations</font>.&#160;&#160;Delaware is not under any obligation, contingent or otherwise, which will survive the Merger to register any of its securities under the Securities Act or any state securities laws or to redeem, repurchase or otherwise acquire any shares of Delaware Common Stock.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.19</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Antitakeover Provisions</font>.&#160;&#160;Neither Delaware nor NBDC Bank is required to take any action to exempt Delaware, NBDC Bank, this Agreement and the Merger from any provisions of an antitakeover nature contained in their organizational documents or the provisions of any federal or state &#8220;antitakeover,&#8221; &#8220;fair price,&#8221; &#8220;moratorium,&#8221; &#8220;control share </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-26</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">acquisition&#8221; or similar laws or regulations.&#160;&#160;The vote required to approve this Agreement is the affirmative vote of two-thirds of the votes eligible to be cast by holders of the issued and outstanding shares of Delaware Common Stock.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.20</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Insurance</font>.&#160;&#160;Delaware and the Delaware Subsidiaries are presently insured as set forth on Schedule 3.20, and during each of the past three calendar years have been insured, for such amounts against such risks as companies or institutions engaged in a similar business would, in accordance with good business practice, customarily be insured.&#160;&#160;The policies of fire, theft, liability and other insurance maintained with respect to the assets or businesses of Delaware and the Delaware Subsidiaries provide adequate coverage against loss, and the fidelity bonds in effect as to which Delaware or any of the Delaware Subsidiaries is named an insured are sufficient for their purpose.&#160;&#160;Such policies of insurance are listed and described in Schedule 3.20.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.21</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Labor</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No work stoppage involving Delaware or any of the Delaware Subsidiaries is pending as of the date hereof or, to the Knowledge of Delaware or any of the Delaware Subsidiaries, threatened.&#160;&#160;Neither Delaware nor any of the Delaware Subsidiaries is involved in, or, to the Knowledge of Delaware or any of the Delaware Subsidiaries, threatened with or affected by, any proceeding asserting that Delaware or any of the Delaware Subsidiaries has committed an unfair labor practice or any labor dispute, arbitration, lawsuit or administrative proceeding which might reasonably be expected to have a Material Adverse Effect on Delaware.&#160;&#160;No union represents or, to the Knowledge of Delaware or the Delaware Subsidiaries, claims to represent any employees of Delaware or any of the Delaware Subsidiaries, and, to the Knowledge of Delaware and the Delaware Subsidiaries, no labor union is attempting to organize employees of Delaware or any of the Delaware Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware has made available to Norwood a true and complete list of all employees of Delaware and the Delaware Subsidiaries as of the date hereof, together with the employee position, title, salary and date of hire.&#160;&#160;Except as set forth on Schedule 3.16(a) hereto, no employee of Delaware or any of the Delaware Subsidiaries has any contractual right to continued employment by Delaware or any of the Delaware Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and the Delaware Subsidiaries are in material compliance with all applicable laws and regulations relating to employment or the workplace, including, without limitation, provisions relating to wages, hours, collective bargaining, safety and health, work authorization, equal employment opportunity, immigration and the withholding of income taxes, unemployment compensation, workers compensation, employee privacy and right to know and social security contributions.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During the last three years, there has not been, there is not presently pending or existing and, to the Knowledge of Delaware or any of the Delaware Subsidiaries,&#160;&#160;there is not threatened any proceeding against or affecting Delaware or any of the Delaware Subsidiaries relating to the alleged violation of any Federal or State law or regulation pertaining to labor relations or employment matters, including any charge or complaint filed by an employee or union with the National Labor Relations Board, the Equal Employment Opportunity Commission or any comparable Federal or State governmental body or regulatory agency, </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-27</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">organizational activity, or other labor or employment dispute against or affecting Delaware or any of the Delaware Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.22</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Compliance with Laws</font>.&#160;&#160;Delaware and the Delaware Subsidiaries have materially complied with all applicable federal, foreign, state and local laws, regulations and orders, and are in material compliance with such laws, regulations and orders.&#160;&#160;Except as disclosed in Schedule&#160;3.22, none of Delaware or any of the Delaware Subsidiaries:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Is in violation of any laws, orders or permits applicable to its business or the employees or agents or representatives conducting its business or has failed to comply with any directives, orders, agreements or memoranda of understanding with any Regulatory Authority;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Has received a notification or communication from any agency or department of any federal, state or local governmental authority or any Regulatory Authority or the staff thereof (i) asserting that it is not in compliance with any laws or orders which such governmental authority or Regulatory Authority enforces&#160;&#160;(ii) threatening to revoke any permit or license, (iii) requiring it to enter into any cease and desist order, formal agreement, commitment or memorandum of understanding, or to adopt any resolutions or similar undertakings, or (iv) directing, restricting or limiting, or purporting to direct, restrict or limit in any material manner, its operations, including, without limitation, any restrictions on the payment of dividends, or that in any manner relates to such entity&#8217;s capital adequacy, credit policies, management or business (other than regulatory restrictions generally applicable to national banks or their holding companies) nor to Delaware or any Delaware Subsidiary&#8217;s Knowledge, are there any pending or threatened regulatory investigations or other actions by any Regulatory Authority that could reasonably be expected to lead to any such restriction;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Is aware of, has been advised of, or has any reason to believe that any facts or circumstances exist, which would cause it:&#160;&#160;(i) to be deemed to be operating in violation in any material respect of the federal Bank Secrecy Act, as amended, and its implementing regulations (31 C.F.R. Part 103), the USA PATRIOT Act of 2001, Public Law 107-56 (the &#8220;USA PATRIOT Act&#8221;), and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer information requirements contained in any federal and state privacy laws and regulations, including without limitation, in Title V of the Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by Delaware pursuant to 12 C.F.R. Part 364, Appendix B.&#160;&#160;Furthermore, the Board of Directors of Delaware has adopted and Delaware has implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that materially comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Has any (i) &#8220;covered transactions&#8221; between NBDC Bank and an &#8220;affiliate&#8221; within the meaning of Section 23A of the Federal Reserve Act and the regulations thereunder or </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-28</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(ii) transactions between NBDC Bank and an affiliate covered under Section 23B of the Federal&#160;&#160;Reserve Act and the regulations thereunder that are not in compliance with such provisions.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.23</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Transactions with Management</font>.&#160;&#160;Except for (a) deposits, all of which are on terms and conditions comparable to those made available to other customers of Delaware or any Delaware Subsidiary at the time such deposits were entered into, (b) the loans listed on Schedule 3.5 or arm&#8217;s length loans to employees entered into in the ordinary course of business, (c) compensation arrangements or obligations under employee benefit plans of Delaware or any of the Delaware Subsidiaries set forth in Schedule 3.12(a), and (d) any loans or deposit agreements entered into in the ordinary course with customers of Delaware or NBDC Bank, and, except as set forth in Schedule 3.23, there are no contracts with or commitments to directors, officers or employees involving the expenditure of more than $10,000 as to any one individual, including, with respect to any business directly or indirectly controlled by any such person, or $10,000 for all such contracts for commitments in the aggregate for all such individuals.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.24</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Derivative Contracts</font>.&#160;&#160;None of Delaware or any of the Delaware Subsidiaries is a party to or has agreed to enter into an exchange-traded or over-the-counter swap, forward, future, option, cap, floor or collar financial contract or agreement, or any other contract or agreement not included in Financial Statements of Delaware which is a financial derivative contract (including various combinations thereof) (&#8220;Derivative Contracts&#8221;), except for those Derivative Contracts set forth in Schedule 3.24.&#160;&#160;All expenses related to such Derivative Contracts will have been properly accrued for prior to Closing and the estimated costs of terminating such Derivative Contracts is disclosed in Schedule 3.24.&#160;&#160;All Derivative Contracts whether entered into for its own account, or for the account of one or more of the Delaware Subsidiaries or their respective customers, were entered into (1) in accordance with prudent business practices and all applicable laws, rules, regulations and regulatory policies and (2)&#160;with counterparties believed to be financially responsible at the time; and each Derivative Contract constitutes the valid and legally binding obligation of it or one of the Delaware Subsidiaries, as the case may be, enforceable in accordance with its terms (except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles), and are in full force and effect.&#160;&#160;Neither Delaware, the Delaware Subsidiaries, nor to their Knowledge any other party thereto, is in breach of any of its obligations under any Derivative Contract.&#160;&#160;The financial position of Delaware and the Delaware Subsidiaries on a consolidated basis under or with respect to each such Derivative Contracts has been reflected in the books and records of Delaware and such Delaware Subsidiary in accordance with GAAP consistently applied.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.25</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Deposits</font>.&#160;&#160;&#160;The deposits of NBDC Bank are insured up to applicable limits by the FDIC.&#160;&#160;Except as set forth in Schedule 3.25, none of the deposits of NBDC Bank have been obtained through a &#8220;Deposit Broker&#8221; as such term is defined in Section 29(g)(1) of the FDIC Act or are subject to any encumbrance, legal restraint or other legal process (other than garnishments, pledges, set off rights, escrow limitations and similar actions taken in the ordinary course of business), and no portion of such deposits represents a deposit of any Affiliate of Delaware or any Delaware Subsidiary.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-29</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.26</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Controls and Procedures</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Delaware has in place &#8220;disclosure controls and procedures&#8221; as defined in Rules 13a-15(e) and 15d-15(e) of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), to allow Delaware&#8217;s management to make timely decisions regarding required disclosures.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Delaware has designed and maintains a system of internal control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) sufficient to provide reasonable assurance concerning the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with GAAP as consistently applied by Delaware, including reasonable assurance (i) that transactions are executed in accordance with management&#8217;s general or specific authorizations and recorded as necessary to permit preparation of financial statements in conformity with GAAP as consistently applied by Delaware and to maintain asset accountability, (ii) access to assets is permitted only in accordance with management&#8217;s general or specific authorizations, and (iii) the recorded accountability for assets is compared with existing assets at reasonable intervals and appropriate action is taken with respect to any difference.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>No personal loan or other extension of credit by Delaware or any Delaware Subsidiary to any of its or their executive officers or directors has been made or modified except in compliance with Regulation O, 12 C.F.R. Part 215.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Neither Delaware nor any of the Delaware Subsidiaries nor, to the Knowledge of Delaware, any director, officer, employee, auditor, accountant or representative of Delaware or any of the Delaware Subsidiaries has received any written complaint, allegation, assertion, or claim that Delaware or any Delaware Subsidiary has engaged in improper or illegal accounting or auditing practices or maintains improper or inadequate internal accounting controls.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>No attorney representing Delaware or any Delaware Subsidiary, whether or not employed by Delaware or any Delaware Subsidiary, has reported evidence of a material violation of U.S. federal or state securities laws, a material breach of fiduciary duty or similar material violation by Delaware, any of the Delaware Subsidiaries or any of their respective officers, directors, employees or agents to any officer of Delaware, the Board of Directors of Delaware or any member or committee thereof.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Section 3.27<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Data Security</font>.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Delaware and the Delaware Subsidiaries have in place commercially reasonable data protection and privacy policies and procedures to protect, safeguard and maintain the confidentiality, integrity and security of (i) Delaware&#8217;s and the Delaware Subsidiaries&#8217; information technology systems, Software owned or purported to be owned by Delaware and the Delaware Subsidiaries (&#8220;Delaware-Owned Software&#8221;), and (ii) all information, data and transactions stored or contained therein or transmitted thereby, including personally identifiable information, financial information, and credit card data (as such information or terms are defined and/or regulated under applicable laws, statutes, orders, rules, regulations, policies, agreements, and guidelines of any Regulatory Authority) (the &#8220;Delaware Data&#8221;), against any </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-30</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">unauthorized or improper use, access, transmittal, interruption, modification or corruption, and Delaware and the Delaware Subsidiaries are in compliance in all material respects with applicable confidentiality and data security laws, statutes, orders, rules, regulations, policies, agreements, and guidelines of any Regulatory Authority, and all industry standards applicable to the Delaware Data, including card association rules and the payment card industry data security standards. There currently are not any, and since January 1, 2013, have not been any, pending or, to the Knowledge of Delaware or the Delaware Subsidiaries, threatened claims or written complaints with respect to unauthorized access to or breaches of the security of (i) any of Delaware&#8217;s and the Delaware Subsidiaries&#8217; information technology systems, including the Delaware-Owned Software; or (ii) Delaware Data or any other such information collected, maintained or stored by or on behalf of Delaware and the Delaware Subsidiaries (or any unlawful acquisition, use, loss, destruction, compromise or disclosure thereof).</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Delaware and NBDC Bank, to the Knowledge of Delaware and the Delaware Subsidiaries, since January 1, 2013, no third party has gained unauthorized access to any information technology networks controlled by and material to the operation of the business of Delaware and the Delaware Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.28</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Delaware Information</font>.&#160;&#160;None of the information relating to Delaware and the Delaware Subsidiaries to be provided by Delaware or the Delaware Subsidiaries for use in (i) the Registration Statement on Form S-4 to be filed by Norwood in connection with the issuance of shares of Norwood Common Stock pursuant to the Merger, as amended or supplemented (or on any successor or other appropriate form) (&#8220;Form S-4&#8221;), will, at the time the Form S-4 becomes effective, contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, and (ii) the proxy statement/prospectus contained in the Form S-4, as amended or supplemented, and to be delivered to stockholders of Delaware in connection with the solicitation of their approval of this Agreement and the transactions contemplated hereby and thereby (&#8220;Proxy Statement/Prospectus&#8221;), as of the date such Proxy Statement/Prospectus is mailed to stockholders of Delaware and up to and including the date of the meeting of stockholders to which such Proxy Statement/Prospectus relates, will contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, provided that information as of a later date shall be deemed to modify information as of an earlier date.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.29</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Deposit Insurance</font>.&#160;&#160;The deposit accounts of NBDC Bank are insured by the FDIC in accordance with the provisions of the Federal Deposit Insurance Act (the &#8220;FDIC Act&#8221;).&#160;&#160;Delaware has paid all regular premiums, required prepayments of premiums and special assessments and filed all reports required under the FDIC Act.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.30</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Intellectual Property</font>.&#160;&#160;Schedule 3.30 sets forth all (i) trademarks, tradenames, service marks or other trade rights, whether or not registered, and all pending applications for any such registrations, (ii) copyrights, copyrightable materials or pending applications therefore, (iii) trade secrets, (iv) inventions, discoveries, designs and drawings, (v)&#160;computer software (excluding any so-called &#8220;shrink-wrap&#8221; or &#8220;click-through&#8221; license agreements and other similar computer software licensed in the ordinary course of business and/or otherwise resident on desktop computers), and (vi) patents and patent applications owned </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-31</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">or licensed by Delaware and any of the Delaware Subsidiaries (collectively, the &#8220;Intellectual Property Rights&#8221;).&#160;&#160;Neither Delaware nor any of the Delaware Subsidiaries has granted to any Person any license, option or other rights to use in any manner any of the Intellectual Property Rights, whether requiring the payment of royalties or not.&#160;&#160;The Intellectual Property Rights will not cease to be the rights of Delaware, or its successor, or be impaired by reason of performance of this Agreement or the consummation of the transactions contemplated hereby.&#160;&#160;No other Person (i) has notified Delaware or any of the Delaware Subsidiaries that such Person claims any ownership or right of use of the Intellectual Property Rights or, (ii) to the Knowledge of Delaware or any of the Delaware Subsidiaries, is infringing upon any Intellectual Property Rights of Delaware or any of the Delaware Subsidiaries.&#160;&#160;To the Knowledge of Delaware and the Delaware Subsidiaries, the use of the Intellectual Property Rights does not conflict with, infringe upon or otherwise violate the valid rights of any Person.&#160;&#160;No written notice has been received and not fully resolved and no action has been instituted or, to the Knowledge of Delaware and the Delaware Subsidiaries, threatened against Delaware or any of the Delaware Subsidiaries alleging that the use of the Intellectual Property Rights infringes upon or otherwise violates the rights of any Person.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.31</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Fairness Opinion</font>.&#160;&#160;Prior to the execution of this Agreement, Delaware has received an opinion from Sander O&#8217;Neil &amp; Partners to the effect that as of the date thereof and based upon and subject to the matters set forth therein, the Merger Consideration is fair to the shareholders of Delaware from a financial point of view (the &#8220;Fairness Opinion&#8221;).&#160;&#160;Such Fairness Opinion has not been amended or rescinded as of the date of this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.32<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Trust Activities</font>.&#160;&#160;NBDC Bank has properly administered all accounts for which it acts or has acted as a fiduciary in all material respects, including but not limited to accounts for which it serves or has served as trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable laws and regulations.&#160;&#160;Neither NBDC Bank nor any of its respective directors, officers or employees committed any breach of trust with respect to any such fiduciary account.&#160;&#160;Prior to the Effective Time of the Merger, Delaware shall purchase &#8220;tail&#8221; coverage sufficient to provide for any prior trust activities including prior trust relationships that have been transferred prior to the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.33<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Indemnification</font>.&#160;&#160;Except as set forth in Schedule 3.33 or the Certificate of Incorporation and Bylaws of Delaware, Delaware is not a party to any indemnification agreement with any of its present or future directors, officers, employees, agents or other persons who serve or served in any other capacity with any other enterprise at the request of Delaware (a &#8220;Covered Person&#8221;), and, except as set forth in Schedule 3.33, to Delaware&#8217;s Knowledge, there are no claims for which any Covered Person would be entitled to indemnification under the Certificate of Incorporation and Bylaws of Delaware, or under the governing documents of any of the Delaware Subsidiaries, applicable law, regulation or any indemnification agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.34<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Investment Securities</font>.&#160;&#160;No investment security or mortgage-backed security held by Delaware or any of the Delaware Subsidiaries, were it held as a loan, would be classified as &#8220;substandard,&#8221; &#8220;doubtful,&#8221; &#8220;loss,&#8221; &#8220;other assets especially mentioned,&#8221; &#8220;special mention,&#8221; &#8220;credit risk assets,&#8221; or any comparable classifications.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-32</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 3.35<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Reorganization Treatment</font>.&#160;&#160;Neither Delaware nor any of the Delaware Subsidiaries has any reason to believe that any conditions exist that would reasonably be expected to prevent or impede the Merger or the Bank Merger from qualifying as a reorganization within the meaning of Section 368(a) of the Code.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 3.36</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Untrue Statements and Omissions</font>.&#160;&#160;No representation or warranty contained in Article 3 of this Agreement or in the Schedules contains any untrue statement of a material fact or omits to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 4</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">REPRESENTATIONS AND WARRANTIES OF NORWOOD</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Wayne hereby represent and warrant to Delaware and NBDC Bank as follows as of the date hereof and as of all times up to and including the Effective Time of the Merger (except as otherwise provided):</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 4.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Organization and Related Matters of Norwood</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood is a corporation duly organized, validly existing and in good standing under the laws of the Commonwealth of Pennsylvania.&#160;&#160;Norwood has the corporate power and authority to own or lease all of its properties and assets and to carry on its business as now conducted and Norwood is licensed or qualified to do business and in good standing in each jurisdiction in which the nature of the business conducted by Norwood, or the character or location of the properties and assets owned or leased by Norwood makes such licensing or qualification necessary, except where the failure to be so licensed or qualified (or steps necessary to cure such failure) would not have a Material Adverse Effect on Norwood.&#160;&#160;Norwood is duly registered as a bank holding company under the BHCA.&#160;&#160;True and correct copies of the Articles of Incorporation of Norwood and the Bylaws of Norwood, each as amended to the date hereof, have been made available to Delaware and such Articles of Incorporation and Bylaws are in full force and effect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Wayne is a commercial bank, duly organized, validly existing and in good standing under the laws of the Commonwealth of Pennsylvania.&#160;&#160;Wayne has the corporate power and authority to own or lease all of its properties and assets and to carry on its business as such business is now being conducted.&#160;&#160;True and correct copies of the Articles of Incorporation and the Bylaws of Wayne, each as amended to the date hereof, have been delivered to Delaware and such Articles of Incorporation and Bylaws are in full force and effect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each direct and indirect subsidiary of Norwood (only for purposes of this Section 4.1(c) other than Wayne, but otherwise including Wayne, each a &#8220;Norwood Subsidiary&#8221; and collectively, the &#8220;Norwood Subsidiaries&#8221;) is a corporation, limited liability company or partnership duly organized, validly existing and in good standing under the laws of its jurisdiction of incorporation or organization. Each Norwood Subsidiary has the corporate or requisite power and authority to own or lease all of its properties and assets and to carry on its business as such business is now being conducted, and is duly licensed or qualified to do business in all such places where the nature of the business being conducted by each subsidiary </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-33</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">or the character or location of the properties and assets owned or leased by each subsidiary make such qualification necessary, except where the failure to be so licensed or qualified (or steps necessary to cure such failure) would not have a Material Adverse Effect on Norwood.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood has in effect all federal, state, local and foreign governmental, regulatory and other authorizations, permits and licenses necessary for it to own or lease its properties and assets and to carry on its business as now conducted, the absence of which, either individually or in the aggregate, would have a Material Adverse Effect on Norwood.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 4.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Capitalization</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>The authorized capital stock of Norwood consists of 10,000,000 shares of Norwood Common Stock, of which, as of the date hereof, 3,724,668&#160;&#160;are issued and 22,311 shares are held in the treasury of Norwood and 5,000,000 shares of preferred stock, no par value, of which no shares are issued and outstanding.&#160;&#160;All of the issued and outstanding shares of Norwood Common Stock have been duly authorized and validly issued and all such shares are fully paid and nonassessable, and subject to no preemptive rights and were not issued in violation of any preemptive rights.&#160;&#160;Except as set forth in Schedule 4.2(a), there are no outstanding options, warrants, commitments or other rights or instruments to purchase or acquire any shares of capital stock of Norwood at the date hereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Norwood owns, directly, or indirectly, all of the capital stock of Wayne and the other Norwood Subsidiaries, free and clear of any liens, security interests, pledges, charges, encumbrances, agreements and restrictions of any kind or nature.&#160;&#160;All the equity securities of each Norwood Subsidiary held by Norwood or a Norwood Subsidiary have been duly authorized and are validly issued and outstanding, fully paid and nonassessable&#160;&#160;There are no subscriptions, options, commitments, calls or other agreements outstanding with respect to the capital stock of Wayne or any other Norwood Subsidiary.&#160;&#160;Except for the Norwood Subsidiaries, Norwood does not possess, directly or indirectly, any material equity interest in any entity, except for equity interests in Wayne&#8217;s investment portfolio.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>The shares of Norwood Common Stock to be issued in exchange for shares of Delaware Common Stock upon consummation of the Merger in accordance with this Agreement have been duly authorized and, when issued in accordance with the terms of this Agreement, will be validly issued, fully paid and nonassessable and subject to no preemptive rights.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;</font>&#160;(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Norwood has no present intention to reduce the amount of the dividend on shares of Norwood Common Stock most recently declared prior to the date of this Agreement or to reduce the frequency of the declaration and payment of such dividends to less than quarterly.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.3</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Financial Statements; Filings; Reserves</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Each of the consolidated financial statements of Norwood as of and for the years ended December 31, 2014, December 31, 2013 and December 31, 2012 and the unaudited consolidated financial statements for the nine months ended September 30, 2015 (such financial statements, unless otherwise indicated, being hereinafter referred to collectively as the &#8220;Financial Statements of Norwood&#8221;), and each of the Call Reports of Wayne as of and for each of the years </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-34</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">ended December 31, 2015, December 31, 2014 and December 31, 2013 (such Call Reports, unless otherwise indicated, being hereinafter referred to collectively as the &#8220;Financial Regulatory Reports of Wayne&#8221;), (including the related notes, where applicable) have been prepared in all material respects in accordance with GAAP or regulatory accounting principles, whichever is applicable, which principles have been consistently applied by Norwood during the periods involved, except as otherwise noted therein, and the books and records of Norwood and Wayne have been, are being, and will be maintained in all material respects in accordance with applicable legal and accounting requirements and reflect only actual transactions.&#160;&#160;Each of the Financial Statements of Norwood and each of the Financial Regulatory Reports of Wayne (including the related notes, where applicable) fairly presents the financial position of Norwood or Wayne, as applicable, as of the respective dates thereof and fairly presents the results of operations of Norwood or Wayne, as applicable, for the respective periods therein set forth.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Since September 30, 2015, neither Norwood nor any Norwood Subsidiary has incurred any obligation or liability (contingent or otherwise) that has or might reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Norwood except obligations and liabilities which are accrued or reserved against in the Financial Statements of Norwood or the Financial Regulatory Reports of Wayne, or reflected in the notes thereto.&#160;&#160;Since September 30, 2015, neither Norwood nor any Norwood Subsidiary has incurred or paid any obligation or liability which would be material to Norwood, except as may have been incurred or paid in the ordinary course of business, consistent with past practices.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>The allowances for possible loan losses shown on the Financial Statements<font style="TEXT-DECORATION: underline; DISPLAY: inline">&#160;</font>of Norwood and the Financial Regulatory Reports of Wayne were, and the allowance for possible loan losses to be shown on the Financial Statements of Norwood and the Financial Regulatory Reports of Wayne as of any date subsequent to the execution of this Agreement will be, as of such dates, adequate to provide for possible losses, net of recoveries relating to loans previously charged off, in respect of loans outstanding (including accrued interest receivable) of Wayne and other extensions of credit (including letters of credit or commitments to make loans or extend credit). Neither Norwood nor Wayne has been notified by any Regulatory Authority that its reserves are inadequate or that its practices and policies used in establishing its allowance and in accounting for delinquent and classified assets fail to comply with applicable accounting and regulatory requirements or that regulators or independent auditors believe that such reserves are inadequate.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Since December 31, 2014, there has not been any change or any event involving a prospective change in the financial condition, results of operations, business or prospects of Norwood, or a combination of any such change(s) and any such event(s), which has had, or is reasonably likely to have, a Material Adverse Effect on Norwood, including, without limitation, any change in the administration or supervisory standing of Norwood or Wayne with any Regulatory Authority and no fact or condition exists as of the date hereof which might reasonably be expected to cause any such event or change in the future.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.4</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Authority; No Violation</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and Wayne have full corporate power and authority to execute and deliver this Agreement and, subject to the receipt of the Consents of the Regulatory Authorities, to consummate the transactions contemplated hereby.&#160;&#160;The execution, delivery, and </font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-35</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">performance of this Agreement, and the consummation of the transactions contemplated hereby and in any related agreements, have been duly authorized by the Boards of Directors of Norwood and Wayne, and no other corporate or other proceedings on the part of Norwood and Wayne are or will be necessary to authorize this Agreement and the transactions contemplated hereby.&#160;&#160;This Agreement is the valid and binding obligation of Norwood and Wayne enforceable against them in accordance with its terms, except as such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors rights generally and except that the availability of the equitable remedy of specific performance or injunctive relief is subject to the discretion of the court before which any proceeding may be brought.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Neither the execution, delivery or performance of this Agreement by Norwood or Wayne nor the consummation by Norwood or Wayne of the transactions contemplated hereby including the Bank Merger, nor compliance by Norwood or Wayne with any of the terms or provisions hereof, will (i)&#160;violate any provision of the Articles of Incorporation or Bylaws of Norwood or the Articles of Incorporation or Bylaws of Wayne or, (ii)&#160;assuming that the Consents of the Regulatory Authorities and approvals referred to herein (including, without limitation the declaration of effectiveness of the Form S-4, compliance with all blue sky laws and NASDAQ notification requirements) are duly obtained, violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Norwood or any Norwood Subsidiary or their respective properties or assets, or (iii) violate, conflict with, result in a breach of any provisions of, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of, accelerate the performance required by or result in the creation of any lien, security interest, charge or other encumbrance upon any of the respective properties or assets of Norwood or Wayne or any of their subsidiaries under, any of the terms, conditions or provisions of any material note, bond, mortgage, indenture, deed of trust, license, permit, lease, agreement or other instrument or obligation to which Norwood or any Norwood Subsidiary is a party, or by which it or any of its subsidiaries or any of their properties or assets may be bound or affected, or (iv) violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Norwood or any Norwood Subsidiary or any of their material properties or assets, except for (X) such conflicts, breaches or defaults as are set forth in Schedule 4.4 and (Y) with respect to clause (ii) and (iii) above, such as individually or in the aggregate will not have a Material Adverse Effect on Norwood.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.5</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Consents and Approvals</font>.&#160;&#160;Except for (i) the Consents of the Regulatory Authorities and as disclosed in Schedule 4.5, no consents or approvals by, or filings or registrations with, any third party or any public body, agency or authority are necessary in connection with the execution and delivery by Norwood and Wayne of this Agreement, and the consummation of the Merger and the other transactions contemplated hereby.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 4.6<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Norwood Information</font>.&#160;&#160;None of the information relating to Norwood or any Norwood Subsidiary to be provided by Norwood or any Norwood Subsidiary for use in (i) the Form S-4 will, at the time the Form S-4 becomes effective, contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, and (ii) the Proxy Statement/Prospectus as of the date such Proxy Statement/Prospectus is mailed to stockholders of Delaware and up to and including the date of the meeting of stockholders to which such Proxy </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-36</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Statement/Prospectus relates, will contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, provided that information as of a later date shall be deemed to modify information as of an earlier date.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.7</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline">R</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">egulatory Matters</font>.&#160;&#160;Neither Norwood nor any Norwood Subsidiary has&#160;&#160;agreed to take any action, has any Knowledge of any fact or has agreed to any circumstance that would materially impede or delay receipt of any Consent from any Regulatory Authority referred to in this Agreement including, without limitation, matters relating to the Bank Secrecy Act and the Community Reinvestment Act and protests thereunder.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.8</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Deposit Insurance</font>.&#160;&#160;The deposit accounts of Wayne are insured by the FDIC in accordance with the provisions of the FDIC Act.&#160;&#160;Wayne has paid all regular premiums, required prepayments and special assessments and filed all reports required under the FDIC Act.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.9</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Legal Proceedings; Etc</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Neither Norwood nor any Norwood Subsidiary is a party to any, and there are no pending or, to the Knowledge of Norwood or any Norwood Subsidiary, threatened, judicial, administrative, arbitral or other proceedings, claims, actions, causes of action or governmental investigations against Norwood or any Norwood Subsidiary challenging the validity of the transactions contemplated by this Agreement and there is no governmental investigation pending or, to the Knowledge of Norwood or any Norwood Subsidiary, threatened against Norwood or any Norwood Subsidiary; no judgment, decree, injunction, rule or order of any court, governmental department, commission, agency, instrumentality or arbitrator is outstanding against Norwood or any Norwood Subsidiary which has had, or is reasonably likely to have, a Material Adverse Effect on Norwood; there is no default by Norwood or any Norwood Subsidiary under any material contract or agreement to which any of them is a party; and, neither Norwood nor any Norwood Subsidiary is a party to any agreement, order or memorandum in writing by or with any Regulatory Authority restricting the operations of Norwood or any Norwood Subsidiary, and neither Norwood nor any Norwood Subsidiary has been advised by any Regulatory Authority that any such Regulatory Authority is contemplating issuing or requesting the issuance of any such order or memorandum in the future.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>There are no actions, suits, claims, proceedings or investigations of any kind pending or, to the Knowledge of Norwood, threatened against any of the directors or officers of Norwood or any Norwood Subsidiary in their capacities as such, and no director or officer of Norwood or any Norwood Subsidiary currently is being indemnified or seeking to be indemnified by Norwood or any Norwood Subsidiary pursuant to applicable law or their governing documents.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-37</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Section 4.10<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Taxes and Tax Returns</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Norwood and the Norwood Subsidiaries have duly filed in correct form all federal, state and local information returns and tax returns required to be filed by Norwood or any of the Norwood Subsidiaries on or prior to the date hereof, unless subject to a validly filed extension of time for filing that has not yet expired and all such tax returns are true and complete in all material respects, and Norwood has duly paid or made adequate provisions for the payment of all taxes and other governmental charges relating to taxes which are owed by Norwood or any of the Norwood Subsidiaries to any federal, state or local taxing authorities, whether or not reflected in such returns (including, without limitation, those owed in respect of the properties, income, business, capital stock, deposits, franchises, licenses, sales and payrolls of Norwood or any of the Norwood Subsidiaries), other than taxes and other charges which (i) are not yet delinquent or are being contested in good faith or (ii) have not been finally determined.&#160;&#160;The amounts set forth as liabilities for taxes on the Financial Statements of Norwood and the Financial Regulatory Reports of Wayne Bank are sufficient, in the aggregate, for the payment of all unpaid federal, state and local taxes (including any interest or penalties thereon), whether or not disputed, accrued or applicable, for the periods then ended, and have been computed in accordance with GAAP as consistently applied by Norwood during the periods involved.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>No federal, state or local administrative proceedings or court proceedings, and no federal, state or local audits, examinations or investigations are presently pending with regard to any taxes or tax returns filed by or on behalf of Norwood or any of the Norwood Subsidiaries nor has Norwood or any of the Norwood Subsidiaries received any notification that any such audit or examination of any of its taxes or tax returns is being<font style="DISPLAY: inline">&#160;contemplated.</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>To the Knowledge of Norwood there are no material liens for taxes (other than taxes not yet due and payable) upon any of the assets of Norwood or any of the Norwood Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 4.11<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Employee Benefit Plans</font>.&#160;&#160;To the Knowledge of Norwood, each of the employee benefit plans (within the meaning of Section 3(3) of ERISA) established, maintained and/or contributed by Norwood and Wayne Bank has been administered in accordance with its terms and applicable law in all material respects.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Section 4.12<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Environmental Matters</font>.&#160;&#160;There is no suit, claim, action, demand, executive or administrative order, directive, investigation or proceeding pending or, to the Knowledge of Norwood or any of the Norwood Subsidiaries, threatened before any court, governmental agency, board or other forum in which Norwood, any of the Norwood Subsidiaries has been or, with respect to threatened action, may be, named as defendant (i) for alleged noncompliance (including by any predecessor), with respect to any Environmental Law or (ii) relating to the release into the environment of any Hazardous Materials.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Section 4.13<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Data Security.</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Norwood and the Norwood Subsidiaries have in place commercially reasonable data protection and privacy policies and procedures to protect, safeguard and maintain the confidentiality, integrity and security of (i) Norwood&#8217;s and the Norwood Subsidiaries&#8217; information technology systems, Software owned or purported to be owned by </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-38</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood and the Norwood Subsidiaries (&#8220;Norwood-Owned Software&#8221;), and (ii) all information, data and transactions stored or contained therein or transmitted thereby, including personally identifiable information, financial information, and credit card data (as such information or terms are defined and/or regulated under applicable laws, statutes, orders, rules, regulations, policies, agreements, and guidelines of any Regulatory Authority) (the &#8220;Norwood Data&#8221;), against any unauthorized or improper use, access, transmittal, interruption, modification or corruption, and Norwood and the Norwood Subsidiaries are in compliance in all material respects with applicable confidentiality and data security laws, statutes, orders, rules, regulations, policies, agreements, and guidelines of any Regulatory Authority, and all industry standards applicable to the Norwood Data, including card association rules and the payment card industry data security standards. There currently are not any, and since January 1, 2013, have not been any, pending or, to the Knowledge of Norwood or the Norwood Subsidiaries, threatened claims or written complaints with respect to unauthorized access to or breaches of the security of (i) any of Norwood&#8217;s and the Norwood Subsidiaries&#8217; information technology systems, including the Norwood-Owned Software; or (ii) Norwood Data or any other such information collected, maintained or stored by or on behalf of Norwood and the Norwood Subsidiaries (or any unlawful acquisition, use, loss, destruction, compromise or disclosure thereof).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Except as would not reasonably be likely, either individually or in the aggregate, to have a Material Adverse Effect on Norwood and Wayne Bank, to the Knowledge of Norwood and Wayne Bank, since January 1, 2013, no third party has gained unauthorized access to any information technology networks controlled by and material to the operation of the business of Norwood and Wayne Bank.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.14</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Controls and Procedures</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Norwood has in place &#8220;disclosure controls and procedures&#8221; as defined in Rules 13a-15(e) and 15d-15(e) of the&#160;&#160;Exchange Act to allow Norwood&#8217;s management to make timely decisions regarding required disclosures and to make the certifications of the Chief Executive Officer and Chief Financial Officer of Norwood required under the Exchange Act.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood has designed and maintains a system of internal control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) sufficient to provide reasonable assurance concerning the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with GAAP as consistently applied by Norwood, including reasonable assurance (i) that transactions are executed in accordance with management&#8217;s general or specific authorizations and recorded as necessary to permit preparation of financial statements in conformity with GAAP as consistently applied by Norwood and to maintain asset accountability, (ii) access to assets is permitted only in accordance with management&#8217;s general or specific authorizations, and (iii) the recorded accountability for assets is compared with existing assets at reasonable intervals and appropriate action is taken with respect to any difference.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">No personal loan or other extension of credit by Norwood or any Norwood Subsidiary to any of its or their executive officers or directors has been made or modified (other than as permitted by Section 13 of the Exchange Act and Section 402 of the Sarbanes-Oxley Act).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-39</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Since January 1, 2014, (i) neither Norwood nor any of the Norwood Subsidiaries nor, to the Knowledge of Norwood, any director, officer, employee, auditor, accountant or representative of Norwood or any of the Norwood Subsidiaries has received any written complaint, allegation, assertion, or claim that Norwood or any Norwood Subsidiary has engaged in improper or illegal accounting or auditing practices or maintains improper or inadequate internal accounting controls and (ii) no attorney representing Norwood or any Norwood Subsidiary, whether or not employed by Norwood or any Norwood Subsidiary, has reported evidence of a material violation of U.S. federal or state securities laws, a material breach of fiduciary duty or similar material violation by Norwood, any of the Norwood Subsidiaries or any of their respective officers, directors, employees or agents to any officer of Norwood, the Board of Directors of Norwood or any member or committee thereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.15</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">SEC</font><font style="TEXT-DECORATION: underline; DISPLAY: inline"> Filings</font>.&#160;&#160;Norwood has filed all forms, reports and documents required to be filed by Norwood with the SEC since January 1, 2013 (collectively, the &#8220;Norwood SEC Reports&#8221;).&#160;&#160;The Norwood SEC Reports (i) at the time they were filed, complied in all material respects with the applicable requirements of the Securities Act, and the Exchange Act, as the case may be, (ii) did not at the time they were filed (or if amended or superseded by filing prior to the date of this Agreement, then on the date of such filing) contain any untrue statement of a material fact or omit to state a material fact required to be stated in such Norwood SEC Reports or necessary in order to make statements in the Norwood SEC Reports, in light of the circumstances under which they were made, not misleading.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 4.16<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Reorganization Treatment</font>.&#160;&#160;As of the date hereof, neither Norwood nor any Norwood Subsidiary has any reason to believe that any conditions exist that would reasonably be expected to prevent or impede the Merger or the Bank Merger from qualifying as a reorganization within the meaning of Section 368(a) of the Code.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.17</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Access to Funds</font><font style="DISPLAY: inline">.&#160;&#160;On the Closing Date Norwood will have access to all funds necessary to consummate the Merger and pay the aggregate Cash Consideration.</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.18</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Compliance with Laws</font>.&#160;&#160;Norwood and the Norwood Subsidiary have materially complied with all applicable federal, foreign, state and local laws, regulations and orders, and are in material compliance with such laws, regulations and orders.&#160;&#160;Except as set forth in Schedule&#160;4.18, none of Norwood or any Norwood Subsidiary:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Is in violation of any laws, orders or permits applicable to its business or the employees or agents or representatives conducting its business (other than where such violation will not, alone or in the aggregate, have a Material Adverse Effect on Norwood) or has failed to comply with any directives, orders, agreements or memoranda of understanding with any Regulatory Authority;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Has received a notification or communication from any agency or department of any federal, state or local governmental authority or any Regulatory Authority or the staff thereof (i) asserting that it is not in compliance with any laws or orders which such governmental authority or Regulatory Authority enforces (other than where such non-compliance will not, alone or in the aggregate, have a Material Adverse Effect on Norwood and the Norwood Subsidiaries), (ii) threatening to revoke any permit or license other than licenses or permits the revocation of which will not, alone or in the aggregate, have a Material Adverse Effect on </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-40</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood, (iii) except as set forth on Schedule 4.18, requiring it to enter into any cease and desist order, formal agreement, commitment or memorandum of understanding, or to adopt any resolutions or similar undertakings, or (iv) directing, restricting or limiting, or purporting to direct, restrict or limit in any material manner, its operations, including, without limitation, any restrictions on the payment of dividends, or that in any manner relates to such entity&#8217;s capital adequacy, credit policies, management or business (other than regulatory restrictions generally applicable to banks or their holding companies);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Is aware of, has been advised of, or has any reason to believe that any facts or circumstances exist, which would cause it:&#160;&#160;(i) to be deemed to be operating in violation in any material respect of the federal Bank Secrecy Act, as amended, and its implementing regulations (31 C.F.R. Part 103), the USA PATRIOT Act of 2001, Public Law 107-56 (the &#8220;USA PATRIOT Act&#8221;), and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (ii) to be deemed not to be in satisfactory compliance in any material respect with the applicable privacy of customer information requirements contained in any federal and state privacy laws and regulations, including without limitation, in Title V of the Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by Norwood pursuant to 12 C.F.R. Part 364, Appendix B.&#160;&#160;Furthermore, the Board of Directors of Norwood has adopted and Norwood has implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that materially comply with Section 326 of the USA PATRIOT Act and such anti-money laundering program meets the requirements in all material respects of Section 352 of the USA PATRIOT Act and the regulations thereunder; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Has any (i) &#8220;covered transactions&#8221; between Wayne Bank and an &#8220;affiliate&#8221; within the meaning of Section 23A of the Federal Reserve Act and the regulations thereunder, or (ii) transactions between Wayne Bank and an &#8220;affiliate&#8221; covered under Section 23B of the Federal Reserve Act and the regulations thereunder that are not in compliance with such provisions.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 4.19</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Untrue Statements and Omissions</font>.&#160;&#160;No representation or warranty contained in Article 4 of this Agreement or in the Schedules of Norwood or Wayne contains any untrue statement of a material fact or omits to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 5</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">COVENANTS AND AGREEMENTS</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 5.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Conduct of the Business of Delaware</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During the period from the date of this Agreement to the Effective Time of the Merger, Delaware shall, and shall cause the Delaware Subsidiaries to, (i) conduct its business in the usual, regular and ordinary course consistent with past practice and prudent banking principles, (ii) use its best efforts to maintain and preserve intact its business organization, employees, goodwill with customers and other business relationships and retain the </font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-41</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">services of its officers and key employees, and (iii) except as required by law or regulation, take no action which would adversely affect or delay the ability of Delaware or Norwood to obtain any Consent from any Regulatory Authority or other approvals required for the consummation of the transactions contemplated hereby or to perform its covenants and agreements under this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During the period from the date of this Agreement to the Effective Time of the Merger, except as required by law or regulation, neither Delaware nor any of the Delaware Subsidiaries shall, without the prior written consent of Norwood (which shall not be unreasonably withheld):</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">change, delete or add any provision of or to the Certificate of Incorporation or Bylaws or other governing documents of any such entity or appoint any new director to the board of directors of Delaware or NBDC Bank;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(ii)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">change the number of shares of its authorized, issued or outstanding capital stock, including any issuance, purchase, redemption, split, combination or reclassification thereof, or issue or grant any option, warrant, call, commitment, subscription, right or agreement to purchase relating to its capital stock, or declare, set aside or pay any dividend or other distribution with respect to its outstanding capital stock, except that subject to compliance with the applicable law and all contractual covenants, Delaware may declare a dividend as of immediately prior to the Effective Time of the Merger provided that the aggregate amount of such dividends to be paid to all shareholders does not exceed the lesser of (i) Delaware&#8217;s net income for the period from January 1, 2016 up to the month end immediately prior to the Effective Time of the Merger or (ii) $200,000.&#160;&#160;In determining net income for purposes of this Section 5.1(b)(ii), there shall be excluded (w) the cost of amending, freezing, terminating, modifying or fully funding the defined benefit pension plan pursuant to Section 6.3(i) hereof; (x) any accruals made pursuant to Section 5.20 hereof; (y) any payment made pursuant to Section 5.20 hereof; and (z) any expenses of Delaware listed in Schedule 6.5(a) in connection with this Agreement and the transactions contemplated hereby;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(iii)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">incur any material liabilities or material obligations (other than deposit liabilities and short-term borrowings from the FHLB of New York in the ordinary course of business), whether directly or by way of guaranty, including any obligation for borrowed money, or whether evidenced by any note, bond, debenture, or similar instrument;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(iv)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">make any capital expenditures individually in excess of $10,000 other than expenditures necessary to maintain existing assets in good repair;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(v)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">sell, transfer, convey or otherwise dispose of any real property (including &#8220;other real estate owned&#8221;) or interest therein;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(vi)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">pay any bonuses to any employee, officer, director or other person; enter into any new, or amend in any respect any existing, employment, severance, consulting, non-competition or independent contractor agreement with any person; alter the terms of any existing incentive bonus or commission plan; adopt any new or amend in any material respect any existing employee benefit plan except as may be required by law or to renew any existing employee benefit plan on substantially the same terms upon its scheduled renewal date; grant any </font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-42</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">increase in compensation to its officers; or grant any general increase in compensation to its employees other than normal annual increases in an amount not to exceed 3%;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(vii)&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>hire or promote any employees;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(viii)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160; </font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">enter into, amend or extend any material certificate or agreement, lease or license relating to real property, personal property, data processing or bankcard functions that involves an aggregate of $10,000 or more;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(ix)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; acquire or agree to acquire five percent (5%) or more of the assets or equity securities of any Person or acquire direct or indirect control of any Person other than in connection with foreclosures in the ordinary course of business; provided however, Delaware shall consult with Norwood with respect to any such foreclosures;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(x)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">originate, purchase, extend or grant any loan in principal amount in excess of $100,000 if such loan is not fully secured or $400,000 if the loan is fully secured, except loans as to which it has a binding obligation to make such loans as of the date hereof, all of which are listed on Schedule 5.1(b)(x).&#160;&#160;For avoidance of doubt, this Section 5.1(b)(x) does not restrict extensions of credit made under existing lines of credit listed on Schedule 5.1(b)(x).&#160;&#160;For purposes of this Section 5.1(b)(x), consent shall be deemed given unless Norwood objects within five (5) business days of notification;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xi)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">merge or consolidate NBDC Bank with any other corporation; sell or lease all or any substantial portion of the assets or business of NBDC Bank; file any applications or make any contract with respect to branching by NBDC Bank (whether de novo, purchase, sale, closure or relocation) or acquire or construct, or enter into any agreement to acquire or construct, any interest in real property;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xii)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">form any new subsidiary;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xiii)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">increase or decrease the rate of interest paid on time deposits or on certificates of deposit, except in a manner and pursuant to policies consistent with past practices;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xiv)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">take any action that is intended or may reasonably be expected to result in any of the conditions to the Merger set forth in Article 7 or Article 8 not being satisfied;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xv)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">purchase or sell or otherwise acquire any investment securities other than those issued by the U.S. Treasury with a maximum remaining maturity of two years or less.&#160;&#160;For purposes of this Section 5.1(b)(xv), consent shall be deemed given unless Norwood objects within two (2) business days of notification;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xvi)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">commence any cause of action or proceeding other than in accordance with past practice or settle any action, claim, arbitration, complaint, criminal prosecution, demand letter, governmental or other examination or investigation, hearing, inquiry or other proceeding against it for material money damages or material restrictions upon any of their operations;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xvii) &#160;&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">except as set forth in Schedule 5.1(b)(xvii), waive, release, grant or transfer any material rights of value or modify or change in any material respect any existing </font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-43</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">agreement or indebtedness to which it is a party, other than in the ordinary course of business, consistent with past practice;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xviii)&#160;&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">enter into, renew, extend or modify any other transaction (other than a deposit transaction) with any Affiliate other than pursuant to existing policies;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xix)&#160;&#160;&#160;&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">enter into any futures contract, option, interest rate caps, interest rate floors, interest rate exchange agreement or other agreement, or take any other action for purposes of hedging the exposure of its interest-earning assets and interest-bearing liabilities to changes in market rates of interest;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xx)&#160;&#160;&#160;&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">except for the execution of this Agreement, and actions taken or which will be taken in accordance with this Agreement and performance thereunder, take any action that would give rise to a right of payment to any individual under any employment agreement (other than salary earned for prior service);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxi)&#160;&#160; </font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">make any change in policies in existence on the date of this Agreement with regard to: the extension of credit, or the establishment of reserves with respect to the possible loss thereon or the charge off of losses incurred thereon; investments; asset/liability management; or other material banking policies in any material respect except as may be required by changes in applicable law or regulations or by a Regulatory Authority or changes in GAAP, as advised by Delaware&#8217;s independent public accountants;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxii)&#160;&#160; </font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">except for the execution of this Agreement, and the transactions contemplated therein, take any action that would give rise to an acceleration of the right to payment to any individual under any Employee Benefit Plan;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxiii)&#160;&#160; </font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">purchase or otherwise acquire, or sell or otherwise dispose of, any assets or incur any liabilities other than in the ordinary course of business consistent with past practices and policies;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxiv)&#160;&#160; </font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">foreclose upon or take a deed or title to any commercial real estate without first conducting a Phase I environmental assessment of the property or if such assessment indicates the presence of Hazardous Material or an underground storage tank;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 108pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxv)&#160;&#160; </font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">make any written communications to the employees of Delaware, NBDC Bank or any Delaware Subsidiary pertaining to compensation or benefit matters that are affected by the transactions contemplated by this Agreement without first providing Norwood with a copy or description of the intended communication, which Norwood shall promptly review and comment on, and Norwood and Delaware shall cooperate in providing any such mutually agreeable communication;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 108pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxvi)&#160;&#160; purchase or sell any participation interest in any loan other than in the ordinary course of business consistent with past practice;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 108pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxvii)&#160;&#160;&#160; terminate any individual that is a party to an employment contract or change of control agreement prior to the Effective Time of the Merger other than termination for &#8220;cause&#8221; as such term is defined in the applicable agreement; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-44</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(xxviii)&#160;&#160; agree to do any of the foregoing.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline">Section 5.2</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Conduct of the Business of Norwood</font>.&#160;&#160;During the period from the date of this Agreement to the Effective Time of the Merger, Norwood shall, and shall cause the Norwood Subsidiaries, not to, except as required by law or regulation, take any action which would materially adversely affect or delay the ability of Delaware or Norwood to obtain any Consent from any Regulatory Authority or other approvals required for the consummation of the transactions contemplad hereby or to perform its covenants and agreements under this Agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 45pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.3</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Current Information</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>During the period from the date of this Agreement to the Effective Time of the Merger or the time of termination or abandonment of this Agreement, Delaware will cause one or more of its designated representatives to confer on a regular and frequent basis with representatives of Norwood and to report the general status of the ongoing operations of Delaware.&#160;&#160;Delaware will promptly notify Norwood of any material change in the normal course of business or the operations or the properties of Delaware, any governmental complaints, investigations or hearings (or communications indicating that the same may be contemplated) affecting Delaware or NBDC Bank or the threat of material litigation, claims, threats or causes of action involving Delaware, and will keep Norwood fully informed of such events.&#160;&#160;Delaware will furnish to Norwood, promptly after the preparation and/or receipt by Delaware thereof, copies of its unaudited monthly and quarterly periodic financial statements and Call Reports for the applicable periods then ended, and such financial statements and Call Reports shall, upon delivery to Norwood, be treated, for purposes of Section 3.3 hereof, as among the Financial Statements of Delaware and the Financial Regulatory Reports of NBDC Bank, as applicable.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>On a monthly basis, NBDC Bank shall provide Norwood a written list of nonperforming assets as of the prior month end (the term &#8220;nonperforming assets,&#8221; for purposes of this subsection, means (i) loans that are &#8220;troubled debt restructuring&#8221; as defined in Financial Accounting Standards Board Accounting Standards Codification 310-40, &#8220;Troubled Debt Restructuring by Creditors,&#8221; as updated by Accounting Standards Update 2011-02&#8221;, (ii) loans on nonaccrual, (iii) OREO, (iv) all loans ninety (90) days or more past due as of the end of such month and (iv) and impaired loans.&#160;&#160;On a monthly basis, NBDC Bank shall provide Norwood with a schedule of all loan approvals, which schedule shall indicate the loan amount, loan type and other material features of the loan.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>To the extent permitted by law, NBDC Bank shall promptly inform Norwood upon receiving notice of each legal, administrative, arbitration or other proceeding, demand, notice, audit or investigation (by any federal, state or local commission, agency or board) relating to the alleged liability of NBDC Bank or any Delaware subsidiary under any labor or employment law.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.4</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Access to Properties; Personnel and Records; Systems Integration; Insurance</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">During the period from the date of this Agreement to the Effective Time of the Merger or the time of termination or abandonment of this Agreement, Delaware and </font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-45</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">NBDC Bank shall permit Norwood or its agents reasonable access, during normal business hours, to its properties, and shall disclose and make available (together with the right to copy) to Norwood and to its internal auditors, loan review officers, attorneys, accountants and other representatives, all books, papers and records relating to the assets, stock, properties, operations, obligations and liabilities of Delaware and the Delaware Subsidiaries, including all books of account (including the general ledger), tax records, minute books of directors&#8217; and shareholders&#8217; meetings, organizational documents, bylaws, contracts and agreements, filings with any regulatory agency, examination reports, correspondence with regulatory or taxing authorities, documents relating to assets, titles, abstracts, appraisals, consultant&#8217;s reports, plans affecting employees, securities transfer records and shareholder lists, and any other assets, business activities or prospects in which Norwood may have a reasonable interest, and Delaware shall use its reasonable best efforts to provide to Norwood and its representatives access to the work papers of Delaware&#8217;s accountants.&#160;&#160;During the period from the date of this Agreement to the Effective Time of the Merger or the time of termination or abandonment of this Agreement, Delaware shall provide to Norwood with as much notice as possible of all special and regular meetings of the Delaware Board of Directors and committees thereof and Delaware will invite a Norwood representative to attend all such meetings and provide Norwood with a copy of the board packages in advance of such meetings and a copy of the minutes of such meetings promptly thereafter; provided, however, that any such Norwood representative shall, at the request of the Delaware Board of Directors or any committee thereof, as the case may be, recuse himself or herself from any such meeting in the event that this Agreement or any Acquisition Transaction is the subject of discussion or if counsel to Delaware advises that such recusal is required to preserve the attorney-client privilege with respect to any specific matter.&#160;&#160;Delaware shall provide information not less than weekly regarding the business activities and operations of Delaware and all Parties will establish procedures for coordinating and monitoring of transition activities.&#160;&#160;No Party shall be required to provide access to or to disclose information where such access or disclosure would contravene any law, rule, regulation, order or judgment or would violate any confidentiality agreement entered into by Delaware prior to the date hereof; provided that each Party shall cooperate with the other Party in seeking to obtain Consents from appropriate parties under whose rights or authority access is otherwise restricted.&#160;&#160;The foregoing rights granted shall not, whether or not and regardless of the extent to which the same are exercised, affect the representations and warranties made in this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All information furnished by the Parties hereto pursuant to this Agreement, whether furnished before or after the date of this Agreement, shall be treated as the sole property of the Party providing such information until the consummation of the Merger contemplated hereby and, if such transaction shall not occur, the Party receiving the information shall return to the Party which furnished such information, all documents or other materials containing, reflecting or referring to such information, shall use its best efforts to keep confidential all such information, and shall not directly or indirectly use such information for any competitive or other commercial purposes.&#160;&#160;The obligation to keep such information confidential shall continue for two (2) years from the date the proposed transactions are abandoned but shall not apply to (i) any information which (A) the Party receiving the information was already in possession of prior to disclosure thereof by the Party furnishing the information, (B) was then available to the public, or (C) became available to the public through no fault of the Party receiving the information; or (ii) disclosures pursuant to a legal requirement or in accordance with an order of a court of competent jurisdiction or regulatory agency; provided, however, the Party which is the subject of any such legal requirement or order shall use its best efforts to give </font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-46</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the other Party at least ten (10) business days prior notice thereof.&#160;&#160;Each Party hereto acknowledges and agrees that a breach of any of their respective obligations under this Section&#160;5.4 would cause the other irreparable harm for which there is no adequate remedy at law, and that, accordingly, each is entitled to injunctive and other equitable relief for the enforcement thereof in addition to damages or any other relief available at law.&#160;&#160;Without the consent of the other Party, neither Party shall use information furnished to such Party other than for the purposes of the transactions contemplated hereby.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">From and after the date hereof, Delaware shall, and shall cause its directors, officers and employees to, and shall make all reasonable efforts to cause Delaware&#8217;s data processing service providers to, cooperate and assist Norwood in connection with an electronic and systematic conversion of all applicable data regarding Delaware to Wayne&#8217;s system of electronic data processing.&#160;&#160;In furtherance of, and not in limitation of, the foregoing, Delaware shall make reasonable arrangements during normal business hours to permit personnel and representatives of Wayne to train Delaware&#8217;s employees in Wayne&#8217;s system of electronic data processing as may be deemed necessary by Norwood. Delaware shall permit Norwood to train the Delaware employees during the one-month period before the anticipated Effective Time of the Merger with regard to Norwood&#8217;s operations, policies and procedures at Norwood&#8217;s sole cost and expense.&#160;&#160;This training may take place at either Delaware&#8217;s branch offices or at Norwood&#8217;s corporate headquarters at such times to be determined in cooperation with Delaware and shall be conducted in a manner so as to not interfere with the business operations of Delaware. </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and NBDC Bank shall use all commercially reasonable efforts to maintain insurance in such amounts as are reasonable to cover such risks as are customary<font style="FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font>in relation to the character and location of their properties and the nature of their businesses.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.5</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Registration Statement/Approval of Shareholders</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Norwood agrees to prepare and file, as soon as reasonably practicable, the Form S-4 with the SEC in connection with the issuance of Norwood Common Stock in the Merger including the Proxy Statement/Prospectus and other proxy solicitation materials of Delaware constituting a part thereof and all related documents. Delaware shall prepare and furnish to Norwood such information relating to it and its directors, officers and shareholders as may be reasonably required in connection with the above referenced documents based on its Knowledge of and access to the information required for said documents and as Norwood may request, and Delaware, and its legal, financial and accounting advisors, shall have the right to review in advance such Form S-4 prior to its filing. Delaware agrees to cooperate with Norwood and Norwood&#8217;s counsel and accountants in requesting and obtaining appropriate opinions, consents and letters from its financial advisor and independent auditor in connection with the Form S-4 and the Proxy Statement/Prospectus.&#160;&#160;Each of Delaware and Norwood agrees to use its commercially reasonable efforts to cause the Form S-4 to be declared effective under the Securities Act as promptly as reasonably practicable after the filing thereof. Norwood also agrees to use its reasonable best efforts to obtain all necessary state securities law or &#8220;Blue Sky&#8221; permits and approvals required to carry out the transactions this Agreement contemplates. After the SEC has declared the Form S-4 effective under the Securities Act, Delaware shall promptly mail at its expense the Proxy Statement/Prospectus to its shareholders.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-47</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Each of Delaware and Norwood agree that none of the respective information supplied or to be supplied by it for inclusion or incorporation by reference in the Form S-4 shall, at the time the Form S-4 and each amendment or supplement thereto, if any, becomes effective under the Securities Act, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein not misleading.&#160;&#160;Each of Delaware and Norwood agree that none of the respective information supplied or to be supplied by it for inclusion or incorporation by reference in the Proxy Statement/Prospectus and any amendment or supplement thereto shall contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make therein not misleading.&#160;&#160;Each of Delaware and Norwood further agree that if such party shall become aware prior to the Effective Time of the Merger of any information furnished by such party that would cause any of the statements in the Form S-4 or the Proxy Statement/Prospectus to be false or misleading with respect to any material fact, or to omit to state any material fact necessary to make the statements therein not false or misleading, to promptly inform the other parties thereof and an appropriate amendment or supplement describing such information shall be filed promptly with the SEC and, to the extent required by law, disseminated to the shareholders of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Norwood agrees to advise Delaware, promptly after Norwood receives notice thereof, of the time when the Form S-4 has become effective or any supplement or amendment has been filed, of the issuance of any stop order or the suspension of the qualification of Norwood Common Stock for offering or sale in any jurisdiction, of the initiation or, to the extent Norwood is aware thereof, threat of any proceeding for any such purpose, or of any request by the SEC for the amendment or supplement of the Form S-4 or for additional information.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Delaware will take all steps necessary under applicable laws to call, give notice of, convene and hold a meeting of its shareholders at such time as may be mutually agreed to by the Parties for the purpose of approving this Agreement and the transactions contemplated hereby and for such other purposes consistent with the complete performance of this Agreement as may be necessary or desirable (the &#8220;Delaware Shareholders&#8217; Meeting&#8221;), at such time as may be mutually agreed to by the parties (but in no event later than 50 days after the Form S-4 has been declared effective).&#160;&#160;Delaware may engage a proxy solicitor in connection with the Delaware Shareholders&#8217; Meeting on terms and conditions acceptable to Norwood.&#160;&#160;The Board of Directors of Delaware will recommend to its shareholders the approval of this Agreement and the transactions contemplated hereby and Delaware will use its best efforts to obtain the necessary approvals by its shareholders of this Agreement and the transactions contemplated hereby.&#160;Notwithstanding the foregoing, if (x) Delaware has complied in all material respects with its obligations under Section 5.6, (y) Delaware (1) has received a bona fide written proposal for an Acquisition Transaction not solicited in violation of Section 5.6 hereof from a third party that Delaware&#8217;s Board of Directors concludes in good faith after consultation with and considering the written advice of outside legal counsel and its financial advisor constitutes a Superior Proposal after giving effect to all of the adjustments that may be offered by Norwood pursuant to clause (3) below (it being understood that Norwood has no obligation to make any adjustments), (2) has notified Norwood, at least five business days in advance, of its intention to withdraw, amend or modify, or propose or resolve to withdraw, amend or modify, the recommendation of Delaware&#8217;s Board of Directors that Delaware&#8217;s stockholders vote in favor of approval of this Agreement or make any statement in connection with the Delaware </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-48</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Shareholders&#8217; Meeting inconsistent with such recommendation (collectively, a &#8220;Change in Recommendation&#8221;), specifying the material terms and conditions of any such Superior Proposal and furnishing to Norwood a copy of the relevant proposed transaction documents, if such exist, with the person making such Superior Proposal and (3) during the period of not less than five business days following Delaware&#8217;s delivery of the notice referred to in clause (2) above and prior to effecting such Change in Recommendation, has negotiated, and has used reasonable best efforts to cause its financial and legal advisors to negotiate, with Norwood in good faith (to the extent that Norwood desires to negotiate) to make such adjustments in the terms and conditions of this Agreement so that such proposal for an Acquisition Transaction ceases to constitute a Superior Proposal and (z) Delaware&#8217;s Board of Directors, after consultation with and based on the advice of outside legal counsel and its financial advisor, determines in good faith that it would result in a violation of its fiduciary duties under applicable law to recommend this Agreement, then in submitting this Agreement to stockholders at the Delaware Shareholders&#8217; Meeting it may submit this Agreement without recommendation, or following submission of this Agreement to stockholders it may withdraw, amend or modify its recommendation, in which case the Board of Directors may communicate the basis for its lack of a recommendation, or the withdrawal, amendment or modification of its recommendation, to the stockholders in the Proxy Statement/Prospectus or an appropriate amendment or supplement thereto to the extent required by law.&#160;&#160;Notwithstanding the foregoing, nothing shall limit Norwood&#8217;s ability to terminate this Agreement pursuant to Section 10.1(g) hereto or eliminate the right to the payment specified in Section 10.2(b) hereto.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Delaware shall adjourn or postpone the Delaware Shareholders&#8217; Meeting if, as of the time for which such meeting is originally scheduled, there are insufficient shares of Delaware Common Stock represented, either in person or by proxy, to constitute a quorum to conduct the business of such meeting or if Delaware has not received sufficient votes to approve this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.6</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">No Other Bids</font>.&#160;&#160;Except with respect to this Agreement and the transactions contemplated hereby, Delaware shall not, and shall not permit or authorize any Delaware Subsidiary or any Affiliate thereof, nor any investment banker, attorney, accountant or other representative (collectively, &#8220;representative&#8221;) retained by Delaware to directly or indirectly (i) initiate, solicit, encourage or otherwise facilitate any inquiries or the making of any proposal or offer that constitutes, or may reasonably be expected to lead to, any &#8220;Acquisition Transaction&#8221; (as defined below) by any other party, (ii) enter into, continue or otherwise participate in any discussions or negotiations regarding or furnish any information with respect to, or otherwise cooperate in any way with, any Acquisition Transaction, or (iii) furnish any non-public information that it is not legally obligated to furnish or negotiate or enter into any agreement or contract with respect to any Acquisition Transaction, and shall direct and use its reasonable efforts to cause its Affiliates or representatives not to engage in any of the foregoing.&#160;&#160;Delaware shall promptly notify Norwood orally and in writing in the event that it receives any inquiry or proposal relating to any such Acquisition Transaction.&#160;&#160;Delaware shall immediately cease and cause to be terminated as of the date of this Agreement any existing activities, discussions or negotiations with any other parties conducted heretofore with respect to any of the foregoing.&#160;&#160;Notwithstanding the foregoing provisions of this Section 5.6, in the event that, prior to obtaining shareholder approval of the Merger, Delaware receives an unsolicited <font style="FONT-STYLE: italic; DISPLAY: inline">bona fide</font> written proposal for an Acquisition Transaction not solicited in violation of this Agreement, and the Delaware Board concludes in good faith (after consultation with and considering the written advice of its </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-49</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">outside counsel and financial advisor) (i) it is legally necessary for the proper discharge of its fiduciary duties to respond to such Acquisition Transaction and (ii) such Acquisition Transaction constitutes a &#8220;Superior Proposal&#8221; (as defined below), Delaware may furnish or cause to be furnished confidential information or data to the third party making such proposal and participate in negotiations or discussions, provided that prior to providing (or causing to be provided) any confidential information or data permitted to be provided pursuant to this sentence, Delaware shall have entered into a confidentiality agreement with such third party on terms no less restrictive to Delaware than the confidentiality agreement with Norwood, and provided further that Delaware also shall provide to Norwood a copy of any such confidential information or data that it is providing to any third party pursuant to this Section 5.6 to the extent not previously provided or made available to Norwood.&#160;&#160;Delaware shall promptly advise Norwood orally and in writing of any Acquisition Transaction, the material terms and conditions of any such Acquisition Transaction (including any changes thereto) and the identity of the person making any such Acquisition Transaction. Delaware shall (i) keep Norwood fully informed in all material respects of the status and details (including any change to the terms thereof) of any Acquisition Transaction, (ii)&#160;provide to Norwood as soon as practicable after receipt or delivery thereof copies of all correspondence and other written material sent or provided to Delaware or any Delaware Subsidiary from any person that describes any of the terms or conditions of any Acquisition Transaction (including any draft acquisition agreement) and (iii)&#160;keep Norwood fully informed in all material respects of the status and details of any determination by Delaware&#8217;s Board of Directors with respect to any such Acquisition Transaction.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The term &#8220;Acquisition Transaction&#8221; shall, with respect to Delaware, mean any proposal for any of the following: (a) a merger or consolidation, or any similar transaction (other than the Merger) of any company with Delaware or any Delaware Subsidiary, (b) a purchase, lease or other acquisition of all or substantially all the assets of Delaware or any Delaware Subsidiary, (c) a purchase or other acquisition of &#8220;beneficial ownership&#8221; by any &#8220;person&#8221; or &#8220;group&#8221; (as such terms are defined in Section 13(d)(3) of the Exchange Act) (including by way of merger, consolidation, share exchange, or otherwise) which would cause such person or group to become the beneficial owner of securities representing 25% or more of the voting power of Delaware, or (d) a tender or exchange offer to acquire securities representing 25% or more of the voting power of Delaware. &#8220;Superior Proposal&#8221; means an Acquisition Transaction which the Board of Directors of Delaware reasonably determines (after consultation with its financial advisor or another financial advisor of nationally recognized reputation) and legal counsel to be (i)&#160;more favorable to the shareholders of Delaware from a financial point of view than the Merger (taking into account all the terms and conditions of such proposal and this Agreement (including any changes to the financial terms of this Agreement proposed by Norwood in response to such offer or otherwise)) and (ii)&#160;reasonably capable of being completed, taking into account all financial, legal, regulatory and other aspects of such proposal.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.7</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Maintenance of Properties; Certain Remediation and Capital Improvements</font>.&#160;&#160;Delaware and each Delaware Subsidiary will use commercially reasonable efforts to maintain its respective properties and assets in satisfactory condition and repair for the purposes for which they are intended, ordinary wear and tear excepted.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.8</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Environmental Audits</font>.&#160;&#160;Upon the written request of Norwood, which request shall occur within forty (40) days of the date hereof, Delaware will, at Norwood&#8217;s expense, with respect to each parcel of real property that Delaware or any Delaware Subsidiary </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-50</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">owns, procure and deliver to Norwood, an environmental audit, which audit shall be conducted by a firm reasonably acceptable to Norwood.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.9</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Title Insurance</font>.&#160;&#160;Upon the written request of Norwood, which request shall occur within forty (40) days of the date hereof, Delaware will, at Norwood&#8217;s expense, with respect to each parcel of real property that Delaware or any Delaware Subsidiary owns, procure and deliver to Norwood, at least forty (40) days prior to the Effective Time of the Merger, a commitment to issue owner&#8217;s title insurance insurable at regular rates by a title insurance company licensed to do business in the State of New York and by such insurance company reasonably acceptable to Norwood, which policy shall be free of all title defects that may materially interfere with the use of the property as a banking office.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.10</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Surveys</font>.&#160;&#160;Upon the written request of Norwood, which request shall occur within forty (40) days of the date hereof, with respect to each parcel of real property as to which a title insurance policy is to be procured pursuant to Section 5.9, Delaware, at Norwood&#8217;s expense, will procure and deliver to Norwood at least thirty (30) days prior to the Effective Time of the Merger, a survey of such real property, which survey shall be reasonably acceptable to and shall be prepared by a licensed surveyor reasonably acceptable to Norwood, disclosing the locations of all improvements, easements, sidewalks, roadways, utility lines and other matters customarily shown on such surveys and showing access affirmatively to public streets and roads and providing the legal description of the property in a form suitable for recording and insuring the title thereof (the &#8220;Survey&#8221;).&#160;&#160;The Survey shall not disclose any survey defect or encroachment from or onto such real property that will materially limit or impede the continued operation of the facility for its intended use.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.11</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Consents to Assign and Use Leased Premises</font>.&#160;&#160;With respect to the leases disclosed in Schedule 3.14(b), Delaware will use its best efforts to obtain all Consents necessary to transfer and assign all right, title and interest of Delaware and the Delaware Subsidiaries to Wayne and to permit the use and operation of the leased premises by Wayne as of the Closing. Delaware shall use reasonable efforts to procure estoppel certificates from each such lessor.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.12</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Compliance Matters</font>.&#160;&#160;Prior to the Effective Time of the Merger, Delaware shall take, or cause to be taken, all steps reasonably requested by Norwood to address any deficiencies in regulatory compliance by Delaware or the Delaware Subsidiaries; provided, however, neither Norwood nor Wayne shall be responsible for discovering, nor shall Norwood have any liability resulting from, such deficiencies or attempts to address them.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.13</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Support Agreements</font>.&#160;&#160;Delaware shall deliver to Norwood as of the date of this Agreement, a Support Agreement in form and substance as set forth at Exhibit A, executed by each director and executive officer of Delaware and NBDC Bank.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 5.14</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Disclosure</font><font style="TEXT-DECORATION: underline; DISPLAY: inline"> Controls</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Between the date of this Agreement and the Effective Time of the Merger, (i) Delaware shall maintain disclosure controls and procedures that are effective to ensure that material information relating to Delaware and the Delaware Subsidiaries is made known to the President and Chief Executive Officer and Chief Financial Officer of Delaware to permit Delaware to record, process, summarize and report financial data in a timely and accurate </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-51</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">manner; (ii) such officers shall promptly disclose to Delaware&#8217;s auditors and audit committee any significant deficiencies in the design or operation of internal controls which could adversely affect Delaware&#8217;s ability to record, process, summarize and report financial data, any material weaknesses identified in internal controls, and any fraud, whether or not material, that involves management or other employees who have a significant role in Delaware&#8217;s internal controls; and (iii) Delaware shall take appropriate corrective actions to address any such significant deficiencies or material weaknesses identified in the internal controls.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Between the date of this Agreement and the Effective Time of the Merger, Delaware shall, upon reasonable notice during normal business hours, permit Norwood (a) to meet with the officers of Delaware and any Delaware Subsidiary responsible for the financial statements of Delaware and each Delaware Subsidiary and the internal control over financial reporting of Delaware and each Delaware Subsidiary to discuss such matters as Norwood may deem reasonably necessary or appropriate concerning Norwood&#8217;s obligations under Sections 302 and 906 of the Sarbanes-Oxley Act; and (b) to meet with officers of Delaware and any Delaware Subsidiary to discuss the integration of appropriate disclosure controls and procedures and internal control over financial reporting relating to Delaware and each Delaware Subsidiary&#8217;s operations with the controls and procedures and internal control over financial reporting of Norwood for purposes of assisting Norwood in compliance with the applicable provisions of the Sarbanes-Oxley Act following the Effective Time of the Merger.&#160;&#160;Delaware shall, and shall cause its and each Delaware Subsidiary&#8217;s respective employees and accountants to, fully cooperate with Norwood in the preparation, documentation, review, testing and all other actions Norwood deems reasonably necessary to satisfy the internal control certification requirements of Section 404 of the Sarbanes-Oxley Act.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 5.15<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Bank Plan of Merger</font>. Prior to the Effective Time, Wayne and NBDC Bank shall have executed and delivered the Bank Plan of Merger substantially in the form annexed hereto as Exhibit B.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 5.16<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">All Reasonable Efforts</font><font style="FONT-STYLE: italic; DISPLAY: inline">.</font><font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>Subject to the terms and conditions herein provided, Delaware agrees to use all reasonable efforts to take, or cause to be taken, all action and to do, or cause to be done, all things necessary, proper or advisable under applicable laws and regulations to consummate and make effective the transactions contemplated by this Agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 5.17<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Failure to Fulfill Conditions</font><font style="FONT-STYLE: italic; DISPLAY: inline">.</font><font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>In the event that Delaware determines that a condition to its obligation to complete the Merger cannot be fulfilled and that it will not waive that condition, it will promptly notify Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 5.18<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Shareholder Litigation</font>.<font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>Delaware shall give Norwood prompt notice of any shareholder litigation against Delaware and/or its directors or affiliates relating to the transactions contemplated by this Agreement and shall give Norwood the opportunity to participate at its own expense in the defense or settlement of any such litigation. In addition, no such settlement shall be agreed to without Norwood&#8217;s prior written consent (such consent not to be unreasonably withheld or delayed)<font style="FONT-STYLE: italic; DISPLAY: inline">.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Section 5.19<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Charter Provisions</font>.&#160;&#160;Delaware shall take all actions necessary to ensure that the entering into of this Agreement and the consummation of the transactions contemplated </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-52</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">hereby do not and will not result in the imposition of greater than normal vote requirement or compliance with any other anti-takeover provision.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Section 5.20<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Accrual of Expenses and Termination of Swap</font>.&#160;&#160;As of immediately prior to the Effective Time of the Merger, Delaware and the Delaware Subsidiaries shall obtain any required consents for and accrue all costs associated with (i) the redemption of the outstanding trust preferred securities issued by Delaware Capital Trust I at or following the Effective Time, (ii) the repayment of the outstanding term loan from Community Bank N.A. at or following the Effective Time, and (iii) the termination of the interest rate swap entered into in connection with the trust preferred securities issued by Delaware Capital Trust I at or following the Effective Time, provided that Delaware will not be required to take any action that would cause it to violate any covenant under its loan agreement with Community Bank, N.A. or applicable banking laws or regulations or written policies of federal banking regulators having jurisdiction over Delaware or NBDC Bank thereunder.&#160;&#160;Such costs to include any outstanding interest payments due prior to the Effective Time and any related prepayment penalties and unamortized issuance costs.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 6</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">ADDITIONAL COVENANTS AND AGREEMENTS</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Best Efforts; Cooperation</font>.&#160;&#160;Subject to the terms and conditions herein provided, each of the Parties hereto agrees to use its best efforts promptly to take, or cause to be taken, all actions and to do, or cause to be done, all things necessary, proper or advisable under applicable laws and regulations, or otherwise, including attempting to obtain all necessary Consents, to consummate and make effective, as soon as practicable, the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Regulatory Matters</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">As promptly as practicable following the execution and delivery of this Agreement, Norwood and Delaware shall cause to be prepared and filed all required applications and filings with the Regulatory Authorities which are necessary or contemplated for the obtaining of the Consents of the Regulatory Authorities or consummation of the Merger.&#160;&#160;Such applications and filings shall be in such form as may be prescribed by the respective government agencies and shall contain such information as they may require.&#160;&#160;The Parties hereto will cooperate with each other and use their best efforts to prepare and execute all necessary documentation, to effect all necessary or contemplated filings and to obtain all necessary or contemplated permits, consents, approvals, rulings and authorizations of government agencies and third parties which are necessary or contemplated to consummate the transactions contemplated by this Agreement, including, without limitation, those required or contemplated from the Regulatory Authorities, and the shareholders of Delaware.&#160;&#160;Each of the Parties shall have the right to review any filing made with, or written material submitted to, any government agencies in connection with the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each Party hereto will furnish the other Party with all information concerning itself, the Delaware Subsidiaries, directors, officers, shareholders and depositors, as applicable, and such other matters as may be necessary or advisable in connection with any </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-53</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">statement or application made by or on behalf of any such Party to any governmental body in connection with the transactions, applications or filings contemplated by this Agreement.&#160;&#160;The Parties hereto will promptly furnish each other with copies of written communications received by them or their respective subsidiaries, if any, from, or delivered by any of the foregoing to, any governmental body in respect of the transactions contemplated hereby.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Employment and Employee Benefits Matters</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Parties acknowledge that nothing in this Agreement shall be construed as constituting an employment agreement between Norwood or any of its affiliates and any officer or employee of Delaware or an obligation on the part of Norwood or any of its affiliates to employ any such officers or employees.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9pt">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)&#160; <font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font>Norwood will honor the employment agreements, severance agreements and other contracts entered into between Delaware and the Delaware Subsidiaries and its officers, employees and directors as set forth at Schedule 6.3(b)(i), and shall receive a release to be executed by such individuals in a form reasonably acceptable to Norwood; and provided that if any of the insurance benefits to be continued cannot be continued in-kind, Norwood shall make a cash payment in lieu of such insurance benefits based on the amount of insurance premiums being paid as the date of termination of employment. Such Schedule 6.3(b) includes a calculation of the severance payment amount and supporting data as detailed in such Schedule calculated as of the date of this Agreement and to be updated in advance of the Effective Time of the Merger.&#160;&#160;To the extent required, all such contracts have been amended prior to the date hereof to provide that no payment due thereunder will exceed the limitations set forth in Section 280G of the Code. (ii)&#160;&#160;Norwood shall establish a retention bonus plan at the Effective Time of the Merger in the form set forth in Schedule 6.3(b)(ii) for the employees listed in Schedule 6.3(b)(ii) pursuant to which such identified Delaware employees will be entitled to a retention bonus if they remain employed with Wayne for at least twelve (12) months following the Merger.&#160;&#160;In addition, Norwood shall establish a retention bonus pool at the Effective Time of the Merger for employees not listed in Schedule 6.3(b)(ii) of up to $50,000 to be administered by the Chief Executive Officer of Norwood, in consultation with the designated representative of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and NBDC Bank shall take all necessary action to cause NBDC Bank&#8217;s 401(k) Plan (the &#8220;NBDC Bank 401(k) Plan&#8221;) to be terminated effective no later than the business day immediately prior to the Effective Time (&#8220;Termination Date&#8221;). The accounts of all participants and beneficiaries in the NBDC Bank 401(k) Plan shall become fully vested as of the Termination Date. As soon as practicable after the Termination Date, the account balances in the NBDC Bank 401(k) Plan shall be distributed as each participant or beneficiary may direct, consistent with applicable laws and regulations. Any Continuing Employee who elects to participate in the Wayne Bank 401(k) Plan and who remains employed by Norwood or Wayne at the time his or her account balance in the NBDC Bank 401(k) Plan is distributed may elect to have such account balance rolled over into the Wayne Bank 401(k) Plan.&#160;&#160;Delaware and NBDC Bank shall, or shall direct the fiduciaries of the NBDC Bank 401(k) Plan to (to the extent permitted by law), provide Norwood and its counsel with a draft of each resolution, amendment, participant communication or other document relating to the termination of the NBDC Bank 401(k) Plan at least five business days before such document is adopted or distributed, and no such document shall be adopted or distributed without Norwood&#8217;s approval (not to be </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-54</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">unreasonably withheld, conditioned or delayed). Prior to the Closing Date, NBDC Bank shall provide Norwood with the final documentation evidencing that the actions contemplated herein have been effectuated.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">After the Merger, Norwood shall continue, except to the extent not consistent with law, Delaware&#8217;s health and welfare benefit plans, programs, insurance and other policies until such time as Norwood elects to take alternative action.&#160;&#160;Delaware will assist Norwood before the Effective Time in reviewing such benefit plans and programs and will take such actions that may be requested by Norwood with respect to such plans to take effect not sooner than the Effective Time, unless otherwise consented to by Delaware.&#160;&#160;In the event Norwood elects to terminate any of Delaware&#8217;s health and welfare benefit plans, programs, insurance and other policies, Delaware and NBDC Bank employees that continue as employees of Delaware, Norwood or Wayne after the Effective Time (&#8220;Continuing Employees&#8221;) will become eligible to participate in the medical, dental, health and disability plans maintained by Norwood or Wayne.&#160;&#160;Norwood or Wayne, as applicable, shall cause each such plan that shall be implemented as a replacement plan to such Delaware plan that is terminating to (i) waive any preexisting condition limitations to the extent such conditions for such participant are covered under the applicable Delaware medical, health, dental or disability plans and such coverage for such condition or event is also available under the applicable Norwood or Wayne plan, and (ii) waive any waiting period limitation or evidence of insurability requirement which would otherwise be applicable to such employee on or after the plan enrollment date, unless such employee had not yet satisfied any similar limitation or requirement under the analogous Delaware Employee Benefit Plan prior to the enrollment date.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Until the Effective Time, Delaware shall be responsible for providing continued health coverage pursuant to Section 4980B of the Code and Sections 601 through 609 of ERISA (&#8220;COBRA&#8221;) with respect to each Delaware or NBDC Bank qualifying beneficiary (as defined in COBRA) who incurs a qualifying event (as defined in COBRA) before the Effective Time with the monthly expense for such continuation of benefits being paid by such qualifying beneficiary.&#160;&#160;Norwood shall be responsible for (i) providing for continued health coverage under COBRA with respect to each Delaware or NBDC Bank qualified beneficiary (as defined in COBRA) who incurs a qualifying event (as defined in COBRA) from and after the Effective Time, and (ii) providing continued health coverage under COBRA from and after the Effective Time for each Delaware or NBDC Bank qualified beneficiary who incurs a qualifying event before the Effective Time; provided, in each case, that the monthly expenses for such benefits continuation shall be paid by the qualifying beneficiary.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Employees of Delaware and of NBDC Bank (other than those who are parties to an employment agreement, change of control or other type of agreement with Delaware or NBDC Bank which provides for any form of severance or termination pay) as of the date of this Agreement who remain employed by Delaware or NBDC Bank as of the Effective Time and whose employment is terminated by Delaware, Norwood or Wayne (absent termination for cause as determined by the employer) within one year after the Effective Time shall receive severance pay equal to two weeks of such employee&#8217;s base weekly pay for each completed year of employment service commencing with any such employee&#8217;s most recent hire date with Delaware or any of the Delaware Subsidiaries and ending with such employee&#8217;s termination date with Delaware, Norwood or Wayne, with a minimum severance payment to an individual equal to four weeks of base pay and a maximum payment equal to 26 weeks of base </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-55</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">pay, and, provided further, that such terminated employees shall enter into a release of claims against Delaware, NBDC Bank, Norwood and Wayne acceptable in form and substance to Norwood and Wayne.&#160;&#160;Such severance pay will be made at regular payroll intervals.&#160;&#160;Such severance payments will be in lieu of any severance pay plans that may be in effect at Delaware or NBDC Bank prior to the Effective Time, which plans shall be terminated by Delaware and NBDC Bank not later than the business day immediately prior to the Effective Time.&#160;&#160;If termination of any such employee&#8217;s employment occurs after the first anniversary of the Effective Time, then such employee shall be entitled to receive the severance pay under any severance pay plans, if any,&#160;&#160;that may be in effect at such time at Norwood or Wayne, provided, that any such employee shall receive credit under any such plan for such employee&#8217;s service prior to the Effective Time to Delaware or any of the Delaware Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(g)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Prior to the Effective Time, Norwood shall take all reasonable action so that employees of NBDC Bank who become employees of Wayne (&#8220;Continuing Employees&#8221;) shall be eligible to participate, effective as soon as each Wayne employee benefit plan permits (but not sooner than is administratively practicable following the Effective Time), in each of Norwood or Wayne&#8217;s employee benefit plans in which similarly situated employees of Norwood or Wayne participate; provided, however, that, in the case of all benefits to be provided to the Continuing Employees, until the first anniversary of the Effective Time, Norwood or Wayne may instead provide such employees with participation in the employee benefit plans of NBDC Bank which they participated immediately prior to the Effective Time, (it being understood that inclusion of Continuing Employees in Wayne&#8217;s employee benefit plans may occur at different times with respect to different plans</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(h)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">With respect to each Norwood or Wayne employee benefit plan for which length of service is taken into account for any purpose, service with Delaware or NBDC Bank (or predecessor employers to the extent Delaware or NBDC Bank previously has provided past service credit) shall be treated as service with Norwood and its Subsidiaries for purposes of determining eligibility to participate, vesting, and entitlement to benefits, including for severance benefits and vacation entitlement (but not for accrual of defined benefit pension benefits); provided, however, that such prior service shall not be recognized to the extent that such recognition would result in a duplication of benefits. Such prior service credit also shall apply for purposes of satisfying any waiting periods, evidence of insurability requirements, or the application of any preexisting condition limitations, if permitted by the Norwood or Wayne employee benefit plan.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>(i)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>To the extent requested by Norwood prior to the Closing Date, Delaware and NBDC Bank shall cooperate in good faith with Norwood to amend, freeze, terminate,&#160;&#160;modify or fully fund any Delaware Benefit Plan not covered by the subsections of this Section 6.03 in accordance with the terms of such plan or agreement and applicable law, to be effective as of the Effective Time (or at such different time mutually agreed to by the parties), except that the winding up of any such plan or agreement may be completed following the Closing Date. Delaware and NBDC Bank shall provide Norwood with a copy of the resolutions, plan amendments, notices and other documents prepared to effectuate the actions contemplated by this Section 6.03(i), as applicable, and give Norwood a reasonable opportunity to comment on such documents (which comments shall be considered in good faith by Delaware and NBDC Bank), and prior to the Closing Date, Delaware and NBDC Bank shall provide Norwood with the final documentation evidencing that the actions contemplated herein have been effectuated.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-56</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.4<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Indemnification</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">For a period of six (6) years after the Effective Time of the Merger, Norwood shall indemnify, defend and hold harmless each person entitled to indemnification from Delaware (each an &#8220;Indemnified Party&#8221;) against all liability arising out of actions or omissions occurring at or prior to the Effective Time of the Merger (including, without limitation, transactions contemplated by this Agreement) to the fullest extent which Delaware would have been permitted under any applicable law and its Certificate of Incorporation and Bylaws (and Norwood shall also advance expenses, including, but not limited to, fees and disbursements of legal counsel as incurred).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">After the Effective Time of the Merger, directors, officers and employees of Delaware, except for the indemnification rights provided for in this Section 6.4 above, shall have indemnification rights having prospective application only.&#160;&#160;These prospective indemnification rights shall consist of such rights to which directors, officers and employees of Norwood and the Norwood Subsidiaries would be entitled under the Articles of Incorporation and Bylaws of Norwood or the particular subsidiary for which they are serving as officers, directors or employees and under such directors&#8217; and officers&#8217; liability insurance policy as Norwood may then make available to officers, directors and employees of Norwood and the Norwood Subsidiaries.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood shall use its best efforts (and Delaware shall cooperate prior to the Effective Time of the Merger) to maintain in effect for a period of six (6) years after the Effective Time of the Merger Delaware&#8217;s existing directors&#8217; and officers&#8217; liability insurance policy (provided that Norwood may substitute therefor (i) policies with comparable coverage and amounts containing terms and conditions which are substantially no less advantageous or (ii) with the consent of Delaware (given prior to the Effective Time of the Merger) any other policy with respect to claims arising from facts or events which occurred prior to the Effective Time of the Merger and covering persons who are currently covered by such insurance; provided, that Norwood shall not be obligated to make an aggregate premium payment for such six (6) year period in respect of such policy (or coverage replacing such policy) which exceeds $60,000.&#160;&#160;If the amount of premium that is necessary to maintain or procure such insurance coverage exceeds the Maximum Amount, Norwood shall use its reasonable efforts to maintain the most advantageous policies of director&#8217;s and officer&#8217;s liability insurance obtainable for a premium equal to the Maximum Amount.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.5<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Transaction Expenses of Delaware</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Schedule 6.5(a) contains Delaware&#8217;s estimated budget of transaction-related expenses reasonably anticipated to be payable by Delaware in connection with this Agreement and the transactions contemplated hereunder, including but not limited to any payments to be made in accordance with any employment agreements between any officer and Delaware to be made before or after the Effective Time of the Merger, payments to be made upon the termination of any contracts and the fees and expenses of counsel, accountants, investment bankers and other professionals.&#160;&#160;Delaware shall use its best efforts to maintain expenses within the budget.</font></div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-57</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Promptly after the execution of this Agreement, Delaware shall ask all of its attorneys and other professionals to render current and correct invoices for all unbilled time and disbursements within thirty (30) days.&#160;&#160;Delaware shall review these invoices and track such expenses against the budget referenced above, and Delaware shall advise Norwood of such matters.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware shall cause its professionals to render monthly invoices within thirty (30) days after the end of each month.&#160;&#160;Delaware shall advise Norwood monthly of such invoices for professional services, disbursements and reimbursable expenses which Delaware has incurred in connection with this Agreement, and Delaware shall track such expenses against the budget referenced above.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Not later than two business days prior to the Closing Date, Delaware shall provide Norwood with an accounting of all transaction related expenses incurred by it through the Closing Date, including a good faith estimate of such expenses incurred or to be incurred through the Closing Date but as to which invoices have not yet been submitted or payments have not been made.&#160;&#160;Delaware shall detail any variance of such transaction expenses to the budget set forth in Delaware Schedule 6.5(a).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.6<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Press Releases</font>.&#160;&#160;Norwood and Delaware agree that they will not issue any press release or other public disclosure related to this Agreement or the transactions contemplated hereby, without first consulting with the other Party as to the form and substance of such disclosures which may relate to the transactions contemplated by this Agreement, provided, however, that nothing contained herein shall prohibit either Party, following notification to the other Party, from making any disclosure which is required by law or regulation.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.7<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Prior Notice and Approval Before Payments To Be Made</font>.&#160;&#160;No payments shall be made by Delaware to any director, officer or employee in accordance with any agreement, contract, plan or arrangement (including, but not limited to any employment agreement, severance arrangement, stock option, deferred compensation plan, bonus, vacation or leave plan or other compensation or benefits program), including payments upon the termination of such agreement, contract, plan or arrangement or upon the termination of employment or service of such recipient with Delaware, except to the extent that such intended payments (i) have been set forth in the Delaware Schedules furnished to Norwood at the date of this Agreement, (ii) are with prior written notice to Norwood of such intended payment, (iii) are made contemporaneous with the delivery of a written acknowledgement and release executed by the recipient and Delaware satisfactory to Norwood in form and substance, and (iv) are with the consent of Norwood.&#160;&#160;Prior to Delaware making any such payments to any officer or director, Delaware, with the assistance of its tax accountants, shall determine that no such payments, if made, shall constitute an &#8220;excess parachute payment&#8221; in accordance with Section 280G of the Code and that such payment shall not exceed the deductibility limitations at Section 162(m) of the Code, and Delaware shall furnish Norwood with a detailed schedule related to such determination prior to making any such payments.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.8<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Notification of Certain Matters</font>.&#160;&#160;Each Party shall give prompt notice to the others of (a) any event, condition, change, occurrence, act or omission which causes any of its representations hereunder to cease to be true in all material respects (or, with respect to any such </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-58</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">representation which is qualified as to materiality, causes such representation to cease to be true in all respects); and (b) any event, condition, change, occurrence, act or omission which individually or in the aggregate has, or which, so far as reasonably can be foreseen at the time of its occurrence, is reasonably likely to have, a Material Adverse Effect on such Party. Each of Delaware and Norwood shall give prompt notice to the other Party of any notice or other communication from any third party alleging that the consent of such third party is or may be required in connection with the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.9<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Disclosure Supplements</font>.&#160;&#160;From time to time prior to the Effective Time of the Merger, each Party will promptly supplement or amend their respective Schedules delivered in connection herewith with respect to any matter hereafter arising that, if existing, occurring or known at the date of this Agreement, would have been required to be set forth or described in such Schedules or that is necessary to correct any information in such Schedules that has been rendered materially inaccurate thereby.&#160;&#160;No supplement or amendment to such Schedules shall have any effect for the purpose of determining satisfaction of the conditions set forth in Articles 8 and 9 and shall be for informational purposes only.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.10<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Advisory Board of Directors/Boards of Directors</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>All individuals serving on the Board of Directors of Delaware as of the date of this Agreement shall be invited to join a newly-formed regional advisory board.&#160;&#160;Such advisory board members will receive cash compensation for active service on such advisory board at the rate of $1,000 per month for a period of not less than 18 months.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>Within 18 months after the Effective Time of the Merger, Norwood and Wayne Bank will appoint one member of the current Board of Directors of Delaware to be selected by Norwood and Wayne Bank to their respective boards.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 6.11<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Tax Representation Letters/Tax Treatment</font>.&#160;&#160;Officers of Delaware and Norwood shall execute and deliver to Jones Walker LLP, special counsel to Norwood, and to Cranmore, FitzGerald &amp; Meaney, special counsel to Delaware, Tax Representation Letters in the form agreed to by such law firms at such time or times as may be reasonably requested by such law firms including in connection with the filing of the Form S-4 and counsels&#8217; delivery of the tax opinions required by Section 7.6 hereto.&#160;&#160;None of the parties hereto will take any action that could prevent the Merger or the Bank Merger from qualifying as a reorganization within the meaning of Section 368(a) of the Code.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 7</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">MUTUAL CONDITIONS TO CLOSING</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The obligations of Norwood, on the one hand, and Delaware, on the other hand, to consummate the transactions provided for herein shall be subject to the satisfaction of the following conditions, unless waived as hereinafter provided for:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 7.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Shareholder Approval</font>.&#160;&#160;The Merger shall have been approved by the requisite vote of the shareholders of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-59</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 7.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Regulatory Approvals</font>.&#160;&#160;All necessary Consents of the Regulatory Authorities shall have been obtained and all notice and waiting periods required by law to pass after receipt of such Consents shall have passed, and all conditions to consummation of the Merger set forth in such Consents shall have been satisfied.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 7.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Litigation</font>.&#160;&#160;There shall be no pending causes of action, investigations or proceedings (i) challenging the validity or legality of this Agreement or the consummation of the transactions contemplated by this Agreement, or (ii) seeking damages in connection with the transactions contemplated by this Agreement, or (iii) seeking to restrain or invalidate the transactions contemplated by this Agreement, which, in the case of (i) through (iii), and in the reasonable judgment of the Board of Directors of either Norwood or Delaware, based upon advice of counsel, would have a Material Adverse Effect with respect to the interests of Norwood or Delaware, as the case may be.&#160;&#160;No judgment, order, injunction or decree (whether temporary, preliminary or permanent) issued by any court or agency of competent jurisdiction or other legal restraints or prohibition preventing the consummation of Merger or any of the other transactions contemplated by this Agreement shall be in effect.&#160;&#160;No statute, rule, regulation, order, injunction or decree (whether temporary, preliminary or permanent) shall have been enacted, entered, promulgated or enforced by any Regulatory Authority that prohibits, restricts, or makes illegal the consummation of the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 7.4<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Registration Statement</font>.&#160;&#160;The Form S-4 shall have been declared effective under the Securities Act and no stop order suspending the effectiveness of the Form S-4 shall have been issued and be in effect and no proceedings for that purpose shall have been initiated by the SEC and not withdrawn.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 7.5<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Listing</font>.&#160;&#160;The shares of Norwood Common Stock to be issued in the Merger shall have been approved for listing on the NASDAQ, subject to official notice of issuance.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 7.6<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Tax Opinions</font>. Norwood and Delaware shall have received opinions of Jones Walker, LLP and Cranmore, FitzGerald &amp; Meaney, respectively, dated as of the Closing Date, in form and substance customary in transactions of the type contemplated hereby, and reasonably satisfactory to Delaware and Norwood, as the case may be, substantially to the effect that on the basis of the facts, representations and assumptions set forth in such opinions which are consistent with the state of facts existing at the Effective Time, (i) the Merger will be treated for federal income tax purposes as a reorganization within the meaning of Section 368(a) of the IRC and (ii) Norwood and Delaware will each be a party to that reorganization within the meaning of Section 368(b) of the IRC. Such opinions may rely on and require, in addition to the review of such matters of fact and law as counsel considers appropriate, representations contained in certificates of officers of Norwood and Delaware reasonably satisfactory in form and substance as request by such counsel.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 8</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">CONDITIONS TO THE OBLIGATIONS OF NORWOOD</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The obligation of Norwood to consummate the Merger is subject to the fulfillment of each of the following conditions, unless waived as hereinafter provided for:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-60</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 8.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Representations and Warranties</font>.&#160;&#160;The representations and warranties of Delaware and NBDC Bank contained in this Agreement or in any certificate or document delivered pursuant to the provisions hereof will be true and correct, in all material respects (or where any statement in a representation or warranty expressly contains a standard of materiality, such statement shall be true and correct in all respects taking into consideration the standard of materiality contained therein), as of the Effective Time of the Merger (as though made on and as of the Effective Time of the Merger), except to the extent such representations and warranties are by their express provisions made as of a specified date and except for changes therein contemplated by this Agreement unless the failure of such representations and warranties to be true and correct (other than (i) the representations and warranties contained in Section 3.2(a), 3.2(b) and 3.6(a) which shall be true in all respects) either individually or in the aggregate and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations and warranties, will not have or is not reasonably likely to have a Material Adverse Effect on Delaware and the Delaware Subsidiaries taken as a whole.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 8.2</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Performance of Obligations</font>.&#160;&#160;Delaware and NBDC Bank shall have performed all covenants, obligations and agreements required to be performed by them in all material respects under this Agreement prior to the Effective Time of the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 8.3</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Absence of Adverse Facts</font>.&#160;&#160;There shall have been no determination by Norwood that any fact, event or condition exists or has occurred (regardless of whether or not such events or changes are inconsistent with the representations and warranties given herein) that, in the reasonable good faith judgment of Norwood, would have a Material Adverse Effect on Delaware or the consummation of the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 8.4</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Consents Under Agreements</font>.&#160;&#160;Delaware shall have obtained the consent or approval of each Person (other than the Consents of the Regulatory Authorities) whose consent or approval shall be required in order to permit the succession by the Surviving Corporation to any obligation, right or interest of Delaware under any loan or credit agreement, note, mortgage, indenture, lease, license, or other agreement or instrument, including under Section 8.5 of the Loan Agreement, dated as of April 30, 2014, between Delaware and Community Bank, N.A., except those for which failure to obtain such consents and approvals would not in the opinion of Norwood, individually or in the aggregate, have a Material Adverse Effect on the Surviving Corporation or upon the consummation of the transactions contemplated by this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 8.5</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Material Condition</font>.&#160;&#160;There shall not be any action taken, or any statute, rule, regulation or order enacted, entered, enforced or deemed applicable to the Merger by any Regulatory Authority which, in connection with the grant of any Consent by any Regulatory Authority, imposes, in the judgment of Norwood, any material adverse requirement upon Norwood or any Norwood Subsidiary, including, without limitation, any requirement that Norwood sell or dispose of any significant amount of the assets of Delaware, or any other Norwood Subsidiary.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 8.6</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Certification of Claims</font>.&#160;&#160;Delaware shall have delivered a certificate to Norwood that, other than as set forth in such certificate, Delaware is not aware of any pending or threatened claim under the directors and officers insurance policy or the fidelity bond coverage of Delaware.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-61</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 8.7<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Dissenting Shareholders</font>.&#160;&#160;The holders of no more than 12% of the issued and outstanding shares of Delaware Common Stock shall have properly exercised dissenters&#8217; rights of appraisal.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 8.8</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Certificate Representing Satisfaction of Conditions</font>.&#160;&#160;Delaware shall have delivered to Norwood a certificate of the Chief Executive Officer of Delaware dated as of the Closing Date as to the satisfaction of the matters described in Article 8 hereof, and such certificate shall be deemed to constitute additional representations, warranties, covenants, and agreements of Delaware under Article 3 of this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 9</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">CONDITIONS TO OBLIGATIONS OF </font><font style="TEXT-DECORATION: underline; DISPLAY: inline">DELAWARE</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The obligation of Delaware to consummate the Merger as contemplated herein is subject to each of the following conditions, unless waived as hereinafter provided for:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 9.1</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Representations and Warranties</font>.&#160;&#160;The representations and warranties of Norwood and Wayne contained in this Agreement or in any certificate or document delivered pursuant to the provisions hereof will be true and correct in all material respects (or where any statement in a representation or warranty expressly contains a standard of materiality, such statement shall be true and correct in all respects taking into consideration the standard of materiality contained therein), as of the Effective Time of the Merger (as though made on and as of the Effective Time of the Merger), except to the extent such representations and warranties are by their express provisions made as of a specified date and except for changes therein contemplated by this Agreement unless the failure of such representations and warranties to be true and correct (other than the representations and warranties contained in&#160;&#160;Section 4.5, which shall be true in all material respects) either individually or in the aggregate and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations and warranties, will not have or is not reasonably likely to have a Material Adverse Effect on Norwood and its subsidiaries taken as a whole.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 9.2</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Performance of Obligations</font>.&#160;&#160;Norwood and Wayne shall have performed in all material respects all covenants, obligations and agreements required to be performed by them under this Agreement prior to the Effective Time of the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 9.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Delivery of Exchange Fund</font>.&#160;&#160;On the business day before the closing, Norwood shall have delivered the Exchange Fund to the Exchange Agent.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="DISPLAY: inline">Section 9.4</font><font style="DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Certificate Representing Satisfaction of Conditions</font>.&#160;&#160;Norwood shall have delivered to Delaware a certificate dated as of the Effective Time of the Merger as to the satisfaction of the matters described in Article 9 hereof, and such certificate shall be deemed to constitute additional representations, warranties, covenants, and agreements of Norwood under Article 4 of this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-62</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 10</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">TERMINATION, WAIVER AND AMENDMENT</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 10.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Termination</font>.&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This Agreement may be terminated and the Merger abandoned at any time prior to the Effective Time of the Merger:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the mutual consent in writing of the Boards of Directors of Norwood and Delaware; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the Board of Directors of Norwood or Delaware if the Merger shall not have occurred on or prior to December 31, 2016, provided that the failure to consummate the Merger on or before such date is not caused by any breach of any of the representations, warranties, covenants or other agreements contained herein by the Party electing to terminate pursuant to this Section 10.1(b);</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the Board of Directors of Norwood or Delaware (provided that the terminating Party is not then in breach of any representation or warranty contained in this Agreement under the applicable standard set forth in Section 8.1 of this Agreement in the case of Delaware and Section 9.1 of this Agreement in the case of Norwood or in breach of any covenant or agreement contained in this Agreement) in the event of an inaccuracy of any representation or warranty of the other Party contained in this Agreement which cannot be or has not been cured within thirty (30) days after the giving of written notice to the breaching Party of such inaccuracy and which inaccuracy would provide the terminating Party the ability to refuse to consummate the Merger under the applicable standard set forth in Section 8.1 of this Agreement in the case of Delaware and Section 9.1 of this Agreement in the case of Norwood; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the Board of Directors of Norwood or Delaware (provided that the terminating Party is not then in breach of any representation or warranty contained in this Agreement under the applicable standard set forth in Section 8.1 of this Agreement in the case of Delaware and Section 9.1 of this Agreement in the case of Norwood or in breach of any covenant or other agreement contained in this Agreement) in the event of a material breach by the other Party of any covenant or agreement contained in this Agreement which cannot be or has not been cured within thirty (30) days after the giving of written notice to the breaching Party of such breach; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the Board of Directors of Norwood or Delaware in the event (i) any Consent of any Regulatory Authority required for consummation of the Merger and the other transactions contemplated hereby shall have been denied by final nonappealable action of such authority or if any action taken by such authority is not appealed within the time limit for appeal, or (ii) the shareholders of Delaware fail to vote their approval of this Agreement and the Merger and the transactions contemplated hereby as required by applicable law at Delaware&#8217;s shareholders&#8217; meeting where the transactions were presented to such shareholders for approval and voted upon; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the Board of Directors of Norwood or Delaware (provided that the terminating Party is not then in breach of any representation or warranty contained in this Agreement under the applicable standard set forth in Section 8.1 of this Agreement in this case of Delaware and Section 9.1 of this Agreement in the case of Norwood or in breach of any </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-63</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">covenant or agreement contained in this Agreement) upon delivery of written notice of termination at the time that it is determined that any of the conditions precedent to the obligations of such Party to consummate the Merger (other than as contemplated by Section 10.1(e) of this Agreement) cannot be satisfied or fulfilled by the date specified in Section&#160;10.1(b) of this Agreement; or</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the Board of Directors of Norwood, (a) if Delaware fails to hold its shareholder meeting to vote on this Agreement within the time frame set forth in Section 5.5 hereof, or (b) if Delaware&#8217;s Board of Directors either (i) fails to recommend, or fails to continue its recommendation, that the shareholders of Delaware vote in favor of the adoption of this Agreement, or (ii) modifies, withdraws or changes in any manner adverse to Norwood its recommendation that the shareholders of Delaware vote in favor of the adoption of this Agreement or publicly discloses its intent to do so.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(h)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">By the Board of Directors of Delaware prior to obtaining shareholder approval of the Merger, in the event that, after it has received a Superior Proposal in compliance with Section 5.6 hereof and otherwise complied with its obligations under Section 5.6, the Board makes the determination in good faith based on the advice of legal counsel that such action of accepting such Superior Proposal is required in order for the Board to comply with its fiduciary duties under applicable law, and, provided that Delaware is not in breach of the provisions of this Agreement, including, but not limited to Section 5.6 hereof, in the exercise of its fiduciary duty, to terminate this Agreement and accept a Superior Proposal (as defined in Section 5.6) provided, however, that this Agreement may be terminated by Delaware pursuant to this Section 10.1(h) only after the fifth calendar day following Norwood&#8217;s receipt of written notice from Delaware advising Norwood that Delaware is prepared to enter into an acquisition agreement with respect to such Superior Proposal, and only if, (i) during such five-calendar day period, Delaware has caused its financial and legal advisors to negotiate with Norwood in good faith to make such adjustments in the terms and conditions of this Agreement such that that such Superior Proposal would no longer constitute a Superior Proposal and (ii) Delaware&#8217;s Board of Directors has considered such adjustments in the terms and conditions of this Agreement resulting from such negotiations and has concluded in good faith, after consultation with and considering the written&#160;&#160;advice of outside legal and financial advisors that such Superior Proposal remains a Superior Proposal even after giving effect to the adjustments proposed by Norwood, and (iii) Delaware has paid the Termination Fee set forth in Section 10.2.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font>By the Board of Directors of Delaware, if the Delaware Board of Directors so determines by a majority vote of the members of the entire Delaware Board of Directors, at any time during the five-day period commencing on the Determination Date, such termination to be effective on the 30th day following such Determination Date, if and only if both of the following conditions are satisfied:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the Norwood Market Value on the Determination Date is less than 80% of the Initial Norwood Market Value; and</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;the number obtained by dividing the Norwood Market Value on the Determination Date by the Initial Norwood Market Value shall be less than the number obtained by dividing (x) the Final Index Price by (y) the Initial Index Price minus 0.20;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-64</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">subject, however, to the following three sentences.&#160;&#160;If Delaware elects to exercise its termination right pursuant to this Section 10.1(i), it shall give prompt written notice thereof to Norwood.&#160;&#160;During the five business day period commencing with its receipt of such notice, Norwood shall have the option, at its sole discretion, of paying additional Merger Consideration by increasing the Stock Consideration to equal the lesser of:&#160;&#160;(A) the quotient&#160;&#160;the numerator of which is equal to the product of the Initial Norwood Market Value, the Stock Consideration (as then in effect), and the Index Ratio minus 0.20, and the denominator of which is the Norwood Market Value on the Determination Date or (B) the quotient obtained by dividing the Initial Norwood Market Value by the Norwood Market Value on the Determination Date and multiplying the quotient by the product of the Stock Consideration (as then in effect) and 0.80.&#160;&#160;If within such five business day period, Norwood delivers written notice to Delaware that it intends to proceed with the Merger by paying such additional consideration as contemplated by the preceding sentence, then no termination shall have occurred pursuant to this Section 10.1(i), and this Agreement shall remain in full force and effect in accordance with its terms (except that the Stock Consideration shall have been so modified).</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">For purposes of this Section 10.1(i) only, the following terms shall have the meanings indicated below:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;<font style="FONT-STYLE: italic; DISPLAY: inline">Determination Date</font>&#8221; means the first date on which all Consents of Regulatory Authorities (and waivers, if applicable) necessary for consummation of the Merger and the Bank Merger have been received (disregarding any waiting period).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;<font style="FONT-STYLE: italic; DISPLAY: inline">Index</font>&#8221; means the NASDAQ Bank Index or, if such Index is not available, such substitute or similar Index as substantially replicates the NASDAQ Bank Index.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;<font style="FONT-STYLE: italic; DISPLAY: inline">Index Ratio</font>&#8221; means the quotient obtained by dividing the Final Index Price divided by the Initial Index Price.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;<font style="FONT-STYLE: italic; DISPLAY: inline">Initial Norwood Market Value</font>&#8221; means $26.35, adjusted as indicated in the last sentence of this Section 10.1(i).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;<font style="FONT-STYLE: italic; DISPLAY: inline">Initial Index Price</font>&#8221; means the closing value of the Index as of March 7, 2016.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;<font style="FONT-STYLE: italic; DISPLAY: inline">Final Index Price</font>&#8221; means the average of the daily closing values of the Index for the twenty consecutive trading days immediately preceding the Determination Date.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;<font style="FONT-STYLE: italic; DISPLAY: inline">Norwood Market Value</font>&#8221; means, as of any specified date, the average of the daily closing sales prices of a share of Norwood Common Stock as reported on the Nasdaq Stock Market for the twenty consecutive trading days immediately preceding such specified date.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If Norwood or any company belonging to the Index declares or effects a stock dividend, reclassification, recapitalization, split-up, combination, exchange of shares or similar transaction between the date of this Agreement and the Determination Date, the prices for the common stock of such company shall be appropriately adjusted for the purposes of applying this Section 10.1(i).</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-65</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 10.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Effect of Termination; Termination Fee</font>.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In the event of the termination and abandonment of this Agreement pursuant to Section 10.1, this Agreement shall terminate and have no effect, except as otherwise provided herein and except that the provisions of this Section 10.2, Section 10.5 and Article 11 of this Agreement shall survive any such termination and abandonment.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If, after the date of this Agreement, Norwood terminates this Agreement in accordance with Section 10.1(g) or Delaware terminates this Agreement pursuant to Section 10.1(h), Delaware shall be obligated to pay Norwood a fee of $615,000 as an agreed-upon termination fee in immediately available funds (the &#8220;Termination Fee&#8221;) within one (1) business day of such termination.&#160;&#160;In addition, if, after a proposal for an Acquisition Transaction has been publicly announced by any person or entity, Norwood terminates this Agreement pursuant to Section 10.1(d) or Section 10.1(e)(ii), Delaware shall be obligated to pay Norwood the Termination Fee in immediately available funds within one (1) business day of such notice of termination, and if an Acquisition Transaction is consummated or a definitive agreement is entered into by Delaware relating to an Acquisition Transaction, in either case, within eighteen (18) months of the termination of this Agreement pursuant to Section 10.1(e)(ii), Delaware shall be obligated to pay Norwood the Termination Fee, in each case less any amounts previously paid at the time this Agreement was terminated.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 72pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware and Norwood agree that the Termination Fee is fair and reasonable in the circumstances.&#160;&#160;If a court of competent jurisdiction shall nonetheless, by a final, nonappealable judgment, determine that the amount of any such Termination Fee exceeds the maximum amount permitted by law, then the amount of such Termination Fee shall be reduced to the maximum amount permitted by law in the circumstances, as determined by such court of competent jurisdiction.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 10.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Amendments</font>.&#160;&#160;To the extent permitted by law, this Agreement may be amended by a subsequent writing signed by each of Norwood, Wayne, Delaware and NBDC Bank.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 10.4<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Waivers</font>.&#160;&#160;Subject to Section 11.11 hereof, prior to or at the Effective Time of the Merger, Norwood, on the one hand, and Delaware, on the other hand, shall have the right to waive any default in the performance of any term of this Agreement by the other, to waive or extend the time for the compliance or fulfillment by the other of any and all of the other&#8217;s obligations under this Agreement and to waive any or all of the conditions to its obligations under this Agreement, except any condition, which, if not satisfied, would result in the violation of any law or any applicable governmental regulation.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 10.5<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Non-Survival of Representations, Warranties and Covenants</font>.&#160;&#160;The representations, warranties, covenants or agreements in this Agreement or in any instrument delivered by Norwood or Delaware shall not survive the Effective Time of Merger, except that Section 5.4(b), Section 6.4 and Section 10.2 shall survive the Effective Time of the Merger, and any representation, warranty or agreement in any agreement, contract, report, opinion, undertaking or other document or instrument delivered hereunder in whole or in part by any person other than Norwood, Delaware (or directors and officers thereof in their capacities as such) shall survive the Effective Time of Merger; provided that no representation or warranty of </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-66</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood or Delaware contained herein shall be deemed to be terminated or extinguished so as to deprive Norwood, on the one hand, and Delaware, on the other hand, of any defense at law or in equity which any of them otherwise would have to any claim against them by any person, including, without limitation, any shareholder or former shareholder of either Party.&#160;&#160;No representation or warranty in this Agreement shall be affected or deemed waived by reason of the fact that Norwood or Delaware and/or its representatives knew or should have known that any such representation or warranty was, is, might be or might have been inaccurate in any respect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE 11</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">MISCELLANEOUS</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Definitions</font>.&#160;&#160;Except as otherwise provided herein, the capitalized terms set forth below (in their singular and plural forms as applicable) shall have the following meanings:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Affiliate&#8221; of a Person shall mean (i) any other Person directly or indirectly through one or more intermediaries controlling, controlled by or under common control of such Person, (ii) any officer, director, partner, employer or direct or indirect beneficial owner of any 10% or greater equity or voting interest of such Person or (iii) any other Persons for which a Person described in clause (ii) acts in any such capacity.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Consent&#8221; shall mean a consent, approval or authorization, waiver, clearance, exemption or similar affirmation by any person pursuant to any lease, contract, permit, law, regulation or order.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Code&#8221; shall mean the Internal Revenue Code of 1986, as amended.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Environmental Law&#8221; means any federal, state or local law, statute, ordinance, rule, regulation, code, license, permit, authorization, approval, consent, order, judgment, decree, opinion, agency requirement; injunction or agreement with a governmental authority relating to (i) the protection, preservation or restoration of the environment (including, without limitation, air, water vapor, surface water, groundwater, drinking water supply, surface soil, subsurface soil, plant and animal life or any other natural resource), (ii) the use, storage, recycling, treatment, generation, transportation, processing, handling, labeling, production, release, threatened release, exposure to or disposal of any Hazardous Material, or (iii) noise, odor, wetlands, indoor air, pollution, contamination or any injury or threat of injury to persons or property involving any Hazardous Material.&#160;&#160;The term Environmental Laws includes without limitation (a) the Comprehensive Environmental Response, Compensation and Liability Act, as amended, 42 U.S.C. &#167;9601, et seq; the Resource Conservation and Recovery Act, as amended, 42 U.S.C. &#167;6901, et seq; the Clean Air Act, as amended, 42 U.S.C. &#167;7401, et seq; the Federal Water Pollution Control Act, as amended, 33 U.S.C. &#167;1251, et seq; the Toxic Substances Control Act, as amended, 15 U.S.C. &#167;2601, et seq; the Emergency Planning and Community Right to Know Act, 42 U.S.C. &#167;11001, et seq; the Safe Drinking Water Act, 42 U.S.C. &#167;300f, et seq; and all comparable state and local laws, and (b) any common law (including without limitation common law that may impose strict liability) that may impose liability or obligations for injuries or damages due to the presence of or exposure to any Hazardous Materials.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-67</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;ERISA&#8221; shall mean the Employee Retirement Income Security Act of 1974, as </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">amended.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;ERISA Affiliate&#8221; shall mean, with respect to any Person, any other Person that, </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">together with such Person, would be treated as a single employer under Section </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">414 of the Code or Section 4001 of ERISA.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;GAAP&#8221; means accounting principles generally accepted in the United States as in effect at the relevant date and consideration applied.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Governmental Entity&#8221; means any federal or state court, administrative agency or commission or other governmental authority or instrumentality.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Hazardous Material&#8221; means any substance in any concentration that is: (1)&#160;listed, classified or regulated pursuant to any Environmental Law; (2)&#160;any petroleum or coal product or by-product, friable asbestos-containing material, lead-containing paint, polychlorinated biphenyls, microbial matter which emits mycotoxins that are harmful to human health, radioactive materials or radon; or (3)&#160;any other substance that may be the subject of regulatory action by any Governmental Authority or a source of liability pursuant to any Environmental Law;.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Knowledge&#8221; as used with respect to a Person (including references to such Person being aware of a particular matter) shall mean those facts that are actually known with respect to directors and actually known or reasonably should have been known after due inquiry with respect to the executive officers of such Person and includes any facts, matters or circumstances set forth in any written notice from any bank regulatory agencies or any other material written notice received by that Person.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Loan Property&#8221; means any property in which Delaware or any of the Delaware Subsidiaries holds a security interest, and, where required by the context, includes the owner or operator of such property, but only with respect to such property.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Material Adverse Effect,&#8221; with respect to any Party, shall mean any event, change or occurrence which, together with any other event, change or occurrence, has a material adverse impact on (i) the financial position, business or results of operation, financial performance or prospects of such Party and their respective subsidiaries, if any, taken as a whole, or (ii) the ability of such Party to perform its obligations under this Agreement or to consummate the Merger and the other transactions contemplated by this Agreement; provided, however, that &#8220;Material Adverse Effect&#8221; shall not be deemed to include changes, effects, events, occurrences or state of facts relating to (with respect to (A), (B) and (C), to the extent the effect of a change on such Party is not substantially disproportionate to the effect on comparable U.S. banking organizations) (A) changes in applicable laws or the interpretation thereof after the date hereof and the taking of action in compliance therewith, (B) changes in GAAP or the interpretation thereof after the date hereof, (C) changes in the economy or financial markets, including changes in market interest rates, (D) any action taken by Norwood or Delaware at the written request of the other (E) the direct effects of compliance with this Agreement on the operating performance of Delaware or Norwood; and (F) expenses incurred in connection with this Agreement and the </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-68</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">transactions contemplated hereby consistent with those disclosed to Norwood pursuant to Section 6.5 hereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#8220;Participation Facility&#8221; means any facility in which Delaware Subsidiary has engaged in Participation in the Management of such facility, and, where required by the context, includes the owner or operator of such facility, but only with respect to such facility.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Participation in the Management&#8221; of a facility has the meaning set forth in 42 U.S.C. &#167; 9601(20)(F).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Person&#8221; means an individual, corporation, limited liability company, partnership, association, trust, unincorporated organization or other entity.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 72pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#8220;Regulatory Authority&#8221; shall mean each of, and &#8220;Regulatory Authorities&#8221; shall mean, collectively, the Federal Trade Commission, the United States Department of Justice, the FRB, the OCC, the FDIC, and all state regulatory agencies having jurisdiction over the Parties, all national securities exchanges and the SEC.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Entire Agreement</font>.&#160;&#160;This Agreement, including the Exhibits and Schedules hereto, and the documents referred to herein contain the entire agreement among Norwood, Wayne, Delaware and NBDC Bank with respect to the transactions contemplated hereunder and this Agreement supersedes all prior arrangements or understandings with respect thereto, whether written or oral with the exception of the Non-Disclosure Agreements between Norwood and Delaware which will survive the execution and delivery of this Agreement.&#160;&#160;The terms and conditions of this Agreement shall inure to the benefit of and be binding upon the Parties hereto and their respective permitted successors.&#160;&#160;Except as expressly set forth in Section 6.4&#160;&#160;of this Agreement, nothing in this Agreement, expressed or implied, is intended to confer upon any person, firm, corporation or entity, other than the Parties hereto and their respective successors, any rights, remedies, obligations or liabilities under or by reason of this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Notices</font>.&#160;&#160;All notices or other communications which are required or permitted hereunder shall be in writing and sufficient if delivered personally, sent by a nationally recognized overnight delivery service or sent by first class or registered or certified mail, postage prepaid, telegram or telex or other facsimile transmission addressed as follows:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If to Delaware:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">131-133 Delaware Street</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Walton, New York&#160;&#160;13856</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Attention:&#160;&#160;James Stracuzzi, President</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Facsimile No.:&#160;&#160;(607) 865-5783</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Email:&#160;&#160;jstracuzzi@nbdcbank.com</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-69</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">With a copy to:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Cranmore, FitzGerald &amp; Meaney</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">49 Wethersfield Avenue</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Hartford, Connecticut&#160;&#160;06114</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Attn:&#160;&#160;J. J. Cranmore, Esq.</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Facsimile No.&#160;&#160;(860) 522-3379</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Email:&#160;&#160;jcranmore@cfmlawfirm.com</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">If to Norwood, then to:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood Financial Corp.</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">717 Main Street</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Honesdale, Pennsylvania&#160;&#160;18431</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Attention:&#160;&#160;Lewis J. Critelli, President</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Facsimile No.:&#160;&#160;(570) 253-2732</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Email:&#160;&#160;lewis.critelli@waynebank.com</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 72pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">With a copy to:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Jones Walker, LLP</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1227 25<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">th</font> Street, NW</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Suite 200 West</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Washington, DC 20037</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Attention:&#160;&#160;James C. Stewart, Esq.</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Facsimile No.: (202) 434-4661</font></div>

<div style="MARGIN-LEFT: 108pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Email:&#160;&#160;jstewart@joneswalker.com</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All such notices or other communications shall be deemed to have been delivered (i) upon receipt when delivery is made by hand, (ii) on the business day after being deposited with a nationally recognized overnight delivery service, (iii) on the third (3rd) business day after deposit in the United States mail when delivery is made by first class, registered or certified mail, and (iv) upon transmission when made by facsimile transmission or email if evidenced by a sender transmission completed confirmation.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.4<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Severability</font>.&#160;&#160;If any term, provision, covenant or restriction contained in this Agreement is held by a court of competent jurisdiction or other competent authority to be invalid, void or unenforceable or against public or regulatory policy, the remainder of the terms, provisions, covenants and restrictions contained in this Agreement shall remain in full force and effect and in no way shall be affected, impaired or invalidated, if, but only if, pursuant to such remaining terms, provisions, covenants and restrictions the Merger may be consummated in substantially the same manner as set forth in this Agreement as of the later of the date this Agreement was executed or last amended.&#160;&#160;Upon such a determination, the parties hereto will negotiate in good faith in an effort to agree upon a suitable and equitable substitute provision to effect the original intent of the parties hereto.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.5<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Costs and Expenses</font>.&#160;&#160;Except as otherwise set forth herein, expenses incurred by Delaware on the one hand and Norwood on the other hand, in connection with or </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-70</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">related to the authorization, preparation and execution of this Agreement, the solicitation of shareholder approval and all other matters related to the closing of the transactions contemplated hereby, including all fees and expenses of agents, representatives, counsel and accountants employed by either such Party or its affiliates, shall be borne solely and entirely by the Party which has incurred same.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.6<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Captions</font>.&#160;&#160;The captions as to contents of particular articles, sections or paragraphs contained in this Agreement and the table of contents hereto are inserted only for convenience and are in no way to be construed as part of this Agreement or as a limitation on the scope of the particular articles, sections or paragraphs to which they refer.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.7<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Counterparts</font>.&#160;&#160;This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same document with the same force and effect as though all Parties had executed the same document.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.8<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Persons Bound; No Assignment</font>.&#160;&#160;This Agreement shall be binding upon and shall inure to the benefit of the Parties hereto and their respective successors, distributees, and assigns, but notwithstanding the foregoing, this Agreement may not be assigned by any Party hereto unless the prior written consent of the other Parties is first obtained (other than by Norwood to a Norwood Subsidiary; provided that Norwood remains primarily liable for all of its obligations under this Agreement).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.9<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Governing Law</font>.&#160;&#160;This Agreement is made and shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania (without respect to its conflicts of laws principles) except to the extent federal law may apply.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.10<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Exhibits and Schedules</font>.&#160;&#160;Each of the exhibits and schedules attached hereto is an integral part of this Agreement and shall be applicable as if set forth in full at the point in this Agreement where reference to it is made.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.11<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Waiver</font>.&#160;&#160;The waiver by any Party of the performance of any agreement, covenant, condition or warranty contained herein shall not invalidate this Agreement, nor shall it be considered a waiver of any other agreement, covenant, condition or warranty contained in this Agreement.&#160;&#160;A waiver by any Party of the time for performing any act shall not be deemed a waiver of the time for performing any other act or an act required to be performed at a later time.&#160;&#160;The exercise of any remedy provided by law, equity or otherwise and the provisions in this Agreement for any remedy shall not exclude any other remedy unless it is expressly excluded.&#160;&#160;The waiver of any provision of this Agreement must be signed by the Party or Parties against whom enforcement of the waiver is sought.&#160;&#160;This Agreement and any exhibit, memorandum or schedule hereto or delivered in connection herewith may be amended only by a writing signed on behalf of each Party hereto.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.12<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Construction of Terms</font>.&#160;&#160;Whenever used in this Agreement, the singular number shall include the plural and the plural the singular.&#160;&#160;Pronouns of one gender shall include all genders.&#160;&#160;Accounting terms used and not otherwise defined in this Agreement have the meanings determined by, and all calculations with respect to accounting or financial matters unless otherwise provided for herein, shall be computed in accordance with generally accepted </font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-71</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">accounting principles, consistently applied.&#160;&#160;References herein to articles, sections, paragraphs, subparagraphs or the like shall refer to the corresponding articles, sections, paragraphs, subparagraphs or the like of this Agreement.&#160;&#160;The words &#8220;hereof&#8221;, &#8220;herein&#8221;, and terms of similar import shall refer to this entire Agreement.&#160;&#160;Unless the context clearly requires otherwise, the use of the terms &#8220;including&#8221;, &#8220;included&#8221;, &#8220;such as&#8221;, or terms of similar meaning, shall not be construed to imply the exclusion of any other particular elements.&#160;&#160;The recitals hereto constitute an integral part of this Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.13<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Specific</font><font style="TEXT-DECORATION: underline; DISPLAY: inline"> Performance</font>.&#160;&#160;The Parties hereto agree that irreparable damage would occur for which there is no adequate remedy at law in the event that the provisions contained in this Agreement were not performed in accordance with its specific terms or was otherwise breached. It is accordingly agreed that the Parties shall be entitled to an injunction or injunctions to prevent breaches of this Agreement and to enforce specifically the terms and provisions thereof in any court of the United States or any state having jurisdiction, it being agreed by the Parties that this is in addition to any other remedy to which they are entitled at law or in equity.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Section 11.14<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">No Presumption Against Drafting Party</font>.&#160;&#160;The Parties acknowledges that each Party to this Agreement has been represented by counsel in connection with this Agreement and the transactions contemplated by this Agreement. Accordingly, any rule of law or any legal decision that would require interpretation of any claimed ambiguities in this Agreement against the drafting party has no application and is expressly waived.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Section 11.15<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font><font style="TEXT-DECORATION: underline; DISPLAY: inline">Waiver of Jury Trial</font>.&#160;&#160;EACH OF THE PARTIES HERETO WAIVES ANY RIGHT IT MAY HAVE TO TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED ON, ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY OR ANY COURSE OF CONDUCT, COURSE OF DEALING, VERBAL OR WRITTEN STATEMENT OR ACTION OF ANY PARTY HERETO.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-72</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">IN WITNESS WHEREOF, the Parties hereto have caused this Agreement to be executed and delivered, and their respective seals hereunto affixed, by their officers thereunto duly authorized, and have caused this Agreement to be dated as of the date and year first above written.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">NORWOOD FINANCIAL CORP.</font></div>
</td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">By:</font></div>
</td>
<td valign="top" width="35%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Lewis J. Critelli&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Lewis J. Critelli</font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ATTEST:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Title:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;President and Chief Executive Officer</font></div>
</td>
</tr><tr>
<td valign="top" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ William S. Lance</font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name: William S. Lance</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Its Secretary</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">WAYNE BANK</font></div>
</td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">By:</font></div>
</td>
<td valign="top" width="35%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Lewis J. Critelli</font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Lewis J. Critelli</font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ATTEST:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Title:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;President and Chief Executive Officer</font></div>
</td>
</tr><tr>
<td valign="top" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ William S. Lance</font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name: William S. Lance</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Its Secretary</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">DELAWARE BANCSHARES, INC.</font></div>
</td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">By:</font></div>
</td>
<td valign="top" width="35%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ James Stracuzzi</font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;James Stracuzzi</font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ATTEST:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Title:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;President and Chief Executive Officer</font></div>
</td>
</tr><tr>
<td valign="top" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Judith A. Riscoe</font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name: Judith A. Riscoe</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Its Secretary</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-73</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="2" valign="top" width="40%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">THE NATIONAL BANK OF DELAWARE COUNTY</font></div>
</td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">By:</font></div>
</td>
<td valign="top" width="35%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ James Stracuzzi</font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;James Stracuzzi</font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">ATTEST:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Title:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;President and Chief Executive Officer</font></div>
</td>
</tr><tr>
<td valign="top" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Judith A. Riscoe</font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name: Judith A. Riscoe</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Its Secretary</font></div>
</td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="3%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-74</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">EXHIBIT A</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">FORM OF SUPPORT AGREEMENT</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">March __, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood Financial Corp.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">717 Main Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Honesdale, Pennsylvania&#160;&#160;18431</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Gentlemen:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood Financial Corp. (&#8220;Norwood&#8221;) and its wholly owned subsidiary, Wayne Bank (&#8220;Wayne&#8221;), on the one hand and Delaware Bancshares, Inc. (&#8220;Delaware&#8221;) and its wholly owned subsidiary, The National Bank of Delaware County, Walton (&#8220;NBDC Bank&#8221;), have entered into an Agreement and Plan of Merger dated as of March __, 2016 (the &#8220;Agreement&#8221;) whereby Delaware will merge with and into Norwood (the &#8220;Merger&#8221;) and the shareholders of Delaware will receive the Merger Consideration as set forth in the Agreement. All defined terms used but not defined herein shall have the meanings ascribed thereto in the Agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In order to induce Norwood to enter into the Agreement and, intending to be legally bound hereby, I irrevocably agree and represent as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I agree to vote, or cause to be voted, for approval and adoption of the Agreement and the transactions contemplated thereby all shares of Delaware Common Stock over which I have sole or shared voting power whether now owned or hereafter acquired, and I agree that I shall vote such shares, or cause such shares to be voted against approval or adoption of any other merger, business combination, recapitalization, liquidation or other similar transaction involving Delaware to which Norwood is not a party thereto and is presented for approval or adoption by the shareholders of Delaware.&#160;&#160;Beneficial ownership shall have the meaning assigned to it pursuant to Rule&#160;13d-3 under the Securities Exchange Act of 1934, as amended.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Through the earliest to occur of the completion of the Merger or termination of the Agreement in accordance with its terms, I agree (i)&#160;not to offer, sell, transfer or otherwise dispose of any shares of Delaware Common Stock over which I have sole or shared dispositive power, except to the extent&#160;&#160;permitted by paragraph (f)&#160;hereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I have beneficial ownership over the number of shares of Delaware Common Stock set forth in Appendix&#160;A hereto. I do not hold any options or other rights to acquire Delaware Common Stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I agree that Delaware shall not be bound by any attempted sale of any shares of Delaware Common Stock over which I have sole voting and dispositive power, and Delaware&#8217;s transfer agent shall be given appropriate stop transfer orders and shall not be required to register any such attempted sale, unless the sale has been effected in compliance with the terms of this Support Agreement.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I represent that I have the capacity to enter into this Support Agreement and that it is a valid and binding obligation enforceable against me in accordance with its terms, subject to bankruptcy, insolvency and other laws affecting creditors&#8217; rights and general equitable principles.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I may transfer any or all of the shares of Delaware Common Stock over which I have beneficial ownership to my spouse, ancestors or descendants; provided, however, that in any such case, prior to and as a condition to the effectiveness of such transfer, each person to which any of such shares or any interest in any of such shares is or may be transferred shall have executed and delivered to Norwood an </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-A-1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">agreement to be bound by the terms of this Support Agreement. In addition, I may sell, transfer or assign shares of Delaware Common Stock to the extent and on behalf of trusts or estates of which neither I nor my family members are beneficiaries in order to comply with fiduciary obligations or legal requirements.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I agree that I will not make any public statements with respect to the Merger or the Agreement contrary to or inconsistent with the statements made by Delaware in support of the Merger or of the Delaware Board of Directors&#8217; recommendation to shareholders to vote in favor of the Agreement and the Merger.&#160;&#160;In no event will I recommend or advise any shareholder of Delaware not to vote in favor of the Agreement or the Merger or not to vote their shares at the shareholders&#8217; meeting at which the Agreement will be considered, nor will I recommend or advise any Delaware shareholder to sell their Delaware Common Stock prior to the Effective Time of the Merger.&#160;&#160;Further, subject to paragraph (i) hereof, I agree that I will not recommend or advise any party to vote shares of Delaware Common Stock at any meeting of shareholders of Delaware for a transaction involving Delaware to which Norwood is not a party.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I irrevocably agree not to engage in any Competition (as defined below) with Norwood, Wayne, Delaware or NBDC Bank or any affiliate or subsidiary of any of the foregoing (the &#8220;Companies&#8221;) for a period of eighteen months after the Closing of the Merger.&#160;&#160;&#160;For purposes of this Support Agreement, &#8220;Competition&#8221; means becoming an employee, an officer, a director, a consultant, an agent, partner, an advisory director, a founder or a shareholder or other equity holder (other than acquisitions of not more than one percent (1%) of the outstanding capital stock of, or a similar equity interest in, a corporation or other entity) or in any other capacity with any business organization that is doing business or intends to do business in the State of New York in the counties of Delaware and Sullivan or in the Commonwealth of Pennsylvania in the County of Wayne and that is engaged or intends to engage in the provision of financial services to the public, including, but not limited to, accepting retail or commercial deposit accounts, making loans or offering trust services, commercial banking, mortgage banking, lease financing, including but not necessarily limited to commercial banks, savings associations, trust companies, credit unions and parent companies and subsidiary companies of such business entities (collectively, &#8220;Financial Services Companies&#8221;).&#160;&#160;Competition shall also mean engaging in efforts to recruit any employee of the Companies or solicit or induce, attempt to solicit or induce, or assist in the solicitation or inducement of any employee of the Companies to terminate his or her employment with the Companies, or otherwise cease his or her relationship with the Companies, or solicit, divert or take away, or attempt to solicit, divert or take away, the business or patronage of any of the clients, customers or accounts of the Companies that were served by the Companies before or after the Closing of the Merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Such restriction on Competition shall not (i) be applicable to officers of Delaware and NBDC Bank not serving on the regional advisory board described in the next sentence, (ii) limit my ability to continue to provide legal services or other services to such Financial Services Companies, (iii) limit my ability to lease or sell real property to such entities or (iv) limit my ability to use the banking services of such Financial Services Companies.&#160;&#160;In exchange for my agreement not to engage in any Competition, as detailed above, and for my service on the regional advisory board during the eighteen-month period immediately following the Closing Date of the Merger, I understand and irrevocably accept that Norwood will pay me the sum of $1,000 per month for a period of 18 months following the completion of the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;I am signing this Support Agreement solely in my capacity as a shareholder of Delaware, and not in any other capacity, such as a director or officer of Delaware or as a fiduciary of any trusts in which neither I nor my immediate family members are a beneficiary.&#160;&#160;Notwithstanding anything herein to the contrary: (a)&#160;I make no agreement or understanding herein in any capacity other than in my capacity as a beneficial owner of Delaware Common Stock and (b)&#160;nothing herein shall be construed to limit or affect any action or inaction by me or any of my representatives, as applicable, serving on Delaware&#8217;s Board of Directors or as an officer of Delaware, acting in my capacity as a director, officer or fiduciary of Delaware or as fiduciary of any trust of which neither I nor my family members are beneficiaries.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This Support Agreement shall be effective upon acceptance by Norwood.&#160;&#160;&#160;This Support Agreement shall terminate and be of no further force and effect concurrently with, and automatically upon, the earlier to occur of (a)&#160;the consummation of the Merger (except that the provisions of Paragraph (h) shall </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-A-2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">survive the consummation of the Merger in accordance with their terms) and (b)&#160;any termination of the Agreement in accordance with its terms, except that any such termination shall be without prejudice to Norwood&#8217;s rights arising out of my willful breach of any covenant or representation contained herein.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">All notices and other communications in connection with this Support Agreement shall be in writing and shall be deemed given if delivered personally, sent via facsimile, with confirmation, mailed by registered or certified mail, return receipt requested, or delivered by an express courier, with confirmation, to the parties at their addresses set forth on the signature page hereto.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This Support Agreement may not be amended except by an instrument in writing signed on behalf of each of the parties. This Support Agreement constitutes the entire agreement and supersedes all prior agreements and understandings, both written and oral, between the parties with respect to the subject matter of this Support Agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This Support Agreement and all claims arising hereunder or relating hereto, shall be governed and construed and enforced in accordance with the laws of the Commonwealth of Pennsylvania, without giving effect to the principles of conflicts of law thereof.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Date: March __, 2016</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="middle" width="34%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="25%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="middle" width="34%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" colspan="3" valign="middle" width="27%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Very truly yours,</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="top" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="middle" width="34%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="middle" width="27%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="middle" width="34%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="3" valign="middle" width="27%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">[Name]</font></div>
</td>
<td valign="top" width="11%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="middle" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="27%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="middle" width="6%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; MARGIN-LEFT: 9pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 27pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Address:</font></div>
</td>
<td valign="middle" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="27%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="27%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="27%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;</font></div>
</td>
<td valign="middle" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="middle" width="27%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Facsimile:</font></div>
</td>
<td valign="middle" width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td colspan="3" valign="middle" width="47%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Acknowledged and Agreed:</font></font></td>
<td valign="middle" width="53%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td colspan="3" valign="middle" width="47%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="middle" width="53%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td colspan="3" valign="top" width="47%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Norwood Financial Corp.&#160; </font></td>
<td valign="middle" width="53%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td colspan="3" valign="top" width="47%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt">&#160;</td>
<td valign="middle" width="53%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="8%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; By:</font></td>
<td valign="top" width="5%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></td>
<td valign="top" width="34%" style="BORDER-BOTTOM: black 2px solid">&#160;</td>
<td valign="middle" width="53%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-A-3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Appendix&#160;A</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Number of Shares Held:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Shares:_____________________</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This amount includes:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font> shares over which I have sole voting power</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font> shares over which I have shared voting power</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font> shares over which I have sole dispositive power</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font> shares over which I have shared dispositive power</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="32%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="36%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="32%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="36%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="32%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Number of Shares of Delaware</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Owned Beneficially or of Record</font></div>
</td>
<td align="left" valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="top" width="36%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Name of Capacity in which</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Owned Beneficially or of Record</font></div>
</td>
</tr><tr>
<td valign="top" width="32%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td align="left" valign="top" width="36%" style="BORDER-BOTTOM: black 2px solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(specify if owned beneficially or of record)</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-A-4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Exhibit B</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">FORM OF</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">BANK PLAN OF MERGER</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>This BANK PLAN OF MERGER (&#8220;Plan of Merger&#8221;) is made and entered into as of this ____&#160;day of __________, 2016, by and between WAYNE BANK, a Pennsylvania chartered commercial bank having its principal place of business at 717 Main Street, Honesdale, Pennsylvania 18431, and THE NATIONAL BANK OF DELAWARE COUNTY (&#8220;NBDC BANK&#8221;), a national bank having its principal place of business at 131-133 Delaware Street, Walton, New York 13856.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">WITNESSETH</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>WHEREAS, as of ______, NBDC Bank had total assets of approximately $____&#160;million and had _________&#160;shares of common stock outstanding, par value $2.50 per share, all of the issued and outstanding shares of which are owned by Delaware Bancshares, Inc. (&#8220;Delaware&#8221;);</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>WHEREAS, as of ____, Wayne Bank had total assets of $____ million and had __________ shares of common stock outstanding, par value $1.00&#160;per share, all of the issued and outstanding shares of which are owned by Norwood Financial Corp. (&#8220;Norwood&#8221;);</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>WHEREAS, the respective Boards of Directors of Wayne Bank and NBDC Bank have determined that the merger of NBDC Bank with and into Wayne Bank, under and pursuant to the terms and conditions set forth or referred to herein (said transaction being hereinafter referred to as the &#8220;Merger&#8221;), would be in the best interest of the respective institutions, and their shareholders; and</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>WHEREAS, on March __, 2016, Delaware, NBDC Bank, Norwood and Wayne Bank entered into an Agreement and Plan of Merger contemplating the merger of Delaware with and into Norwood (the &#8220;Agreement and Plan of Merger&#8221;);</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>WHEREAS, in connection with and subject to the consummation of the merger between Delaware and Norwood contemplated in the Agreement and Plan of Merger, NBDC Bank and Wayne Bank have agreed upon the terms and conditions of the Merger as set forth herein and the respective Boards of Directors of NBDC Bank and Wayne Bank have adopted resolutions approving this Plan of Merger;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>NOW, THEREFORE, in consideration of the mutual covenants and agreements contained in this Plan of Merger, the parties to this Plan of Merger hereby agree as follows:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-B-1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE&#160;I</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Terms and Conditions of the Merger</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>1.1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">In General</font>.&#160;&#160;Subject to the terms and conditions of this Plan of Merger, on the Effective Date (as defined herein), NBDC Bank shall be merged with and into Wayne Bank pursuant to the provisions of, and with the effect provided in, Chapter 16 of the Banking Code of 1965 of the Commonwealth of Pennsylvania, 12 U.S.C. &#167; 215a-1 and 12 U.S.C. &#167; 1828(c)(2)(C). NBDC Bank and Wayne Bank may be collectively referred to herein as the &#8220;Merging Banks.&#8221;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>1.2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Effect of Merger</font>.&#160;&#160;On the Effective Date, the separate existence of NBDC Bank shall cease and Wayne Bank, as the resulting entity, shall continue unaffected and unimpaired by the Merger and shall continue to operate under the name &#8220;Wayne Bank&#8221; (Wayne Bank as existing on and after the Effective Date being hereinafter sometimes referred to as the &#8220;Resulting Institution&#8221;).</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>1.3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Business of the Resulting Institution</font>.&#160;&#160;The business of the Resulting Institution shall be that of a Pennsylvania chartered commercial bank and shall be conducted at the main office of the Resulting Institution, which shall be located at 717 Main Street, Honesdale, Pennsylvania, 18431, and at its legally established branches, including the branches the Resulting Institution acquires from NBDC Bank as a result of the Merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE&#160;II</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Effective Date</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>2.1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Effective Date of Merger</font>.&#160;&#160;A certified copy of this Plan of Merger, Articles or Statement of Merger, and of the approval of the Pennsylvania Department of Banking and Securities evidencing the transactions contemplated herein shall be delivered for filing to the Department of State of the Commonwealth of Pennsylvania as provided in Section 1605 of the Banking Code of 1965 of the Commonwealth of Pennsylvania.&#160;&#160;The Merger shall be effective at the time and on the date specified in the Articles or Statement of Merger (such date and time being herein referred to as the &#8220;Effective Date&#8221;), which shall not be earlier than the effective date of the merger between Norwood and Delaware.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>2.2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">As of the Effective Date</font>:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;NBDC Bank shall be merged into Wayne Bank and be continued in the Resulting Institution.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-B-2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;In accordance with Sections 1606 of the Banking Code of 1965 of the Commonwealth of Pennsylvania, and Section 336 of the Associations Code of the Commonwealth of Pennsylvania, all of the property, assets and rights of every kind and character of NBDC Bank (including, without limitation, all real, personal or mixed property, all debts due on accounts, all other choses in action and all and every other interest of or belonging to or due NBDC Bank, whether tangible or intangible) shall be transferred to and vest in Wayne Bank, and Wayne Bank shall succeed to all the rights, privileges, immunities, powers, purposes and franchises of a public and private nature (including all trust and fiduciary properties, powers and rights) of NBDC Bank, all without conveyance, assignment or further act or deed; and Wayne Bank shall become responsible for all of the liabilities, duties and obligations of every kind and description (including duties as trustee or fiduciary) of NBDC Bank as of the Effective Date.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Resulting Institution shall be liable for all liabilities of every kind and description, including liabilities arising out of the operation of a trust department, of each of the Merging Banks existing immediately prior to the Effective Date, to the extent provided by law.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE&#160;III</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Cancellation of NBDC Bank Common Stock</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>As of the Effective Date, each outstanding share of the common stock of Wayne Bank shall remain outstanding as a share of common stock of the Resulting Institution and each outstanding share of common stock of NBDC Bank shall be cancelled and retired with no consideration to be issued or paid in exchange therefor.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE&#160;IV</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Board of Directors of the Resulting Institution</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>As of the Effective Date, the following named persons shall serve on the Board of Directors of the Resulting Institution until the next annual meeting of the shareholders or until such time as their successors have been elected and have qualified:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="24%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Lewis J. Critelli</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dr. Kenneth A. Phillips</font></div>
</td>
</tr><tr>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="24%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">William W. Davis, Jr.</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">John E. Marshall</font></div>
</td>
</tr><tr>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="24%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Joseph W. Adams</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Susan Gumble</font></div>
</td>
</tr><tr>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="24%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ralph A. Matergia</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Kevin M. Lamont</font></div>
</td>
</tr><tr>
<td valign="top" width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="24%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dr. Andrew A. Forte</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr></table>
</div>
</div>

<div>&#160;</div>

<div>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">A-B-3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE&#160;V</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Articles of Incorporation and</font></div>

<div style="TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Bylaws of Resulting Institution</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;The Articles of Incorporation and the Bylaws of Wayne Bank in effect immediately prior to the Effective Date shall be the Articles of Incorporation and </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">the Bylaws of the Resulting Institution.</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: -36pt; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">ARTICLE&#160;VI</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">General Provisions</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>6.1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Entire Agreement</font>.&#160;&#160;This Plan of Merger contains the entire agreement between the Merging Banks with respect to the transaction contemplated hereunder, and supersedes any and all prior arrangements or understandings with respect thereto.&#160;&#160;This Plan of Merger shall inure to the benefit of and be binding upon the Merging Banks hereto and their respective successors and assigns.</font></div>

<div style="TEXT-ALIGN: justify; DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>6.2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Amendment</font>.&#160;&#160;At any time before the Effective Date, the Merging Banks, by mutual consent of their respective Boards of Directors, may amend this Plan of Merger.</font></div>

<div style="TEXT-ALIGN: justify; DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>6.3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Termination</font>.&#160;&#160;At any time before the Effective Date, this Plan of Merger may be terminated by mutual consent of the Merging Banks, notwithstanding any prior shareholder vote or approval by mutual consent of the Boards of Directors of the Merging Banks; provided, however, that this Plan of Merger shall automatically terminate upon any termination of the Agreement and Plan of Merger.</font></div>

<div style="TEXT-ALIGN: justify; DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>6.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Shareholder Vote</font>.&#160;&#160;This Plan of Merger shall be subject to the approval, ratification and confirmation by the affirmative vote of the sole shareholder of each of the Merging Banks.</font></div>

<div style="TEXT-ALIGN: justify; DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>6.5.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Applicable Law</font>.&#160;&#160;This Plan of Merger shall be governed by the laws of the Commonwealth of Pennsylvania.</font></div>

<div style="TEXT-ALIGN: justify; DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>6.6.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Headings</font>.&#160;&#160;The headings contained in this Plan of Merger are for reference purposes only and are not part of this Plan of Merger.</font></div>

<div style="TEXT-ALIGN: justify; DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 50.4pt"></font>6.7.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="TEXT-DECORATION: underline; DISPLAY: inline">Counterparts</font>.&#160;&#160;This Plan of Merger may be executed in several counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: normal; DISPLAY: inline">A-B-4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;IN WITNESS THEREOF, each of the Merging Banks has caused this Plan of Merger to be executed by their respective duly authorized officers and their corporate seals to be hereunto affixed and attested by their officers thereunto duly authorized, all as of the day and year first above written.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 201.6pt"></font>&#160;&#160;&#160;&#160;</font></div>

<div>&#160;</div>

<div align="center">
<table bgcolor="white" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">ATTEST:<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%">&#160;</td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">THE NATIONAL BANK OF DELAWARE</font> COUNTY</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">By:</font></td>
<td width="29%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">By:</font></td>
<td width="38%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="15%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Name:</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%">&#160;</td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Title:</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr></table>
</div>

<div>&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div><font id="TAB2" style="LETTER-SPACING: 9pt"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;[SEAL]</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div align="center">
<table bgcolor="white" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">ATTEST:<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font></font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%">&#160;</td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">WAYNE BANK</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">By:</font></td>
<td width="29%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">By:</font></td>
<td width="38%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="15%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Name:</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="29%">&#160;</td>
<td width="8%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td width="38%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Title:</font></td>
<td width="15%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr></table>
</div>

<div>&#160;</div>

<div>
<div><font id="TAB2" style="LETTER-SPACING: 9pt"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;[SEAL]</div>
</div>

<div><br>
&#160;</div>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="TEXT-ALIGN: center; DISPLAY: block; TEXT-INDENT: 0pt">
<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">A-B-5</font> </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>
</div>

<div>
<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold">ANNEX B</font></div>
</div>

<div><img src="sandleroneill.jpg" alt=""></div>

<div><br>
<div style="TEXT-ALIGN: right; MARGIN-LEFT: 324pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">March 10, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Board of Directors</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">131-133 Delaware Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">P.O. Box 389</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Walton, NY&#160;&#160;13856</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Ladies and Gentlemen:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc. (&#8220;Delaware&#8221;) and Norwood Financial Corp. (&#8220;Norwood&#8221;) are proposing to enter into an Agreement and Plan of Merger (the &#8220;Agreement&#8221;) pursuant to which Delaware will merge with and into Norwood (the &#8220;Merger&#8221;) with Norwood surviving the Merger.&#160;&#160;Pursuant to the terms of the Agreement, upon the Effective Time of the Merger, each share of common stock, par value $1.25 per share, of the Delaware issued and outstanding immediately prior to the Effective Time (&#8220;Delaware Common Stock&#8221;), except for certain shares of Delaware Common Stock as specified in the Agreement, shall be converted at the election of the holder thereof, in accordance with the procedures set forth in the Agreement, into the right to receive, without interest, either (i) 0.6221 shares of Norwood Common Stock (the &#8220;Stock Consideration&#8221;), or (ii) $16.68 in cash (the &#8220;Cash Consideration&#8221;). The Agreement provides, generally, that shareholder elections may be adjusted as necessary to result in an overall ratio of 25% of Delaware Common Stock being converted into the right to receive the Cash Consideration and 75% of Delaware Common Stock being converted into the right to receive the Stock Consideration.&#160;&#160;The Stock Consideration and the Cash Consideration are collectively referred to herein as the &#8220;Merger Consideration.&#8221; Capitalized terms used herein without definition shall have the meanings assigned to them in the Agreement.&#160;&#160;The terms and conditions of the Merger are more fully set forth in the Agreement.&#160;&#160;You have requested our opinion as to the fairness, from a financial point of view, of the Merger Consideration to the holders of Delaware Common Stock.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Sandler O&#8217;Neill &amp; Partners, L.P. (&#8220;Sandler O&#8217;Neill&#8221;, &#8220;we&#8221; or &#8220;our&#8221;), as part of its investment banking business, is regularly engaged in the valuation of financial institutions and their securities in connection with mergers and acquisitions and other corporate transactions. In connection with this opinion, we have reviewed and considered, among other things: (i) a draft of&#160;the Agreement, dated March 10, 2016; (ii)&#160;certain publicly available financial statements and other historical financial information of Delaware that we deemed relevant; (iii) certain publicly available financial statements and other historical financial information of Norwood that we deemed relevant; (iv)&#160;internal financial projections for The National Bank of Delaware County, a wholly-owned subsidiary of Delaware (&#8220;NBDC Bank&#8221;), for the year ending December 31, 2016, as provided by the senior management of Delaware, adjusted to account for certain estimated </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><img src="sandleroneillfooter.jpg" alt=""></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">B-1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><img src="sandleroneill.jpg" alt=""></font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">expenses of Delaware, as discussed with and confirmed by senior management of Delaware, as well as internal financial projections for Delaware for the years ending December 31, 2017 through December 31, 2020 based upon estimated annual asset, loan and deposit growth rates, estimated annual net income and expenses, and estimated annual tax benefits, each as discussed with and confirmed by the senior management of Delaware; (v)&#160;internal financial projections for Norwood for the year ending December 31, 2016, as provided by the senior management of Norwood, as well as an estimated asset and net income growth rate for the years thereafter, as discussed with the senior management of Norwood and its representatives; (vi)&#160;the pro forma financial impact of the Merger on Norwood based on assumptions relating to transaction expenses, purchase accounting adjustments and cost savings, as discussed with and confirmed by the senior management of Norwood and its representatives, as well as an assumption relating to Delaware&#8217;s standalone estimated earnings per share, as provided by the senior management of Norwood and its representatives; (vii)&#160;the publicly reported historical price and trading activity for Delaware and Norwood common stock, including a comparison of certain stock market information for Delaware and Norwood common stock and certain stock indices as well as publicly available information for certain other similar companies, the securities of which are publicly traded; (viii) a comparison of certain financial information for Delaware and Norwood with similar institutions for which information is publicly available; (ix) the financial terms of certain recent business combinations in the bank and thrift industry&#160;(on a regional and nationwide basis), to the extent publicly available; (x) the current market environment generally and the banking environment in particular; and (xi) such other information, financial studies, analyses and investigations and financial, economic and market criteria as we considered relevant.&#160;&#160;We also discussed with certain members of senior management of Delaware the business, financial condition, results of operations and prospects of Delaware and held similar discussions with certain members of senior management of Norwood regarding the business, financial condition, results of operations and prospects of Norwood.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In performing our review, we have relied upon the accuracy and completeness of all of the financial and other information that was available to and reviewed by us from public sources, that was provided to us by Delaware or Norwood or their respective representatives or that was otherwise reviewed by us and we have assumed such accuracy and completeness for purposes of rendering this opinion without any independent verification or investigation.&#160;&#160;We have relied, at the direction of Delaware, without independent verification or investigation, on the assessments of the management of Delaware as to its existing and future relationships with key employees and partners, clients, products and services and we have assumed, with your consent, that there will be no developments with respect to any such matters that would affect our analyses or opinion. We have further relied on the assurances of the respective managements of Delaware and Norwood that they are not aware of any facts or circumstances that would make any of such information inaccurate or misleading. We have not been asked to and have not undertaken an independent verification of any of such information and we do not assume any responsibility or </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">B-2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><img src="sandleroneill.jpg" alt=""></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">liability for the accuracy or completeness thereof.&#160;&#160;We did not make an independent evaluation or perform an appraisal of the specific assets, the collateral securing assets or the liabilities (contingent or otherwise) of Delaware or Norwood or any of their respective subsidiaries, nor have we been furnished with any such evaluations or appraisals.&#160;&#160;We render no opinion or evaluation on the collectability of any assets or the future performance of any loans of Delaware or Norwood.&#160;&#160;We did not make an independent evaluation of the adequacy of the allowance for loan losses of Delaware or Norwood, or the combined entity after the Merger and we have not reviewed any individual credit files relating to Delaware or Norwood. We have assumed, with your consent, that the respective allowances for loan losses for both Delaware and Norwood are adequate to cover such losses and will be adequate on a pro forma basis for the combined entity.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In preparing its analyses, Sandler O&#8217;Neill used internal financial projections for NBDC Bank for the year ending December 31, 2016, as provided by the senior management of Delaware, adjusted to account for certain estimated expenses of Delaware, as discussed with and confirmed by senior management of Delaware, as well as internal financial projections for Delaware for the years ending December 31, 2017 through December 31, 2020 based upon estimated annual asset, loan and deposit growth rates, estimated annual net income and expenses, and estimated annual tax benefits, each as discussed with and confirmed by the senior management of Delaware. In addition, in preparing its analyses Sandler O&#8217;Neill used internal financial projections for Norwood for the year ending December 31, 2016, as provided by the senior management of Norwood, as well as an estimated asset and net income growth rate for the years thereafter, as discussed with the senior management of Norwood and its representatives.&#160;&#160;Sandler O&#8217;Neill also received and used in its pro forma analyses certain assumptions relating to transaction expenses, purchase accounting adjustments and cost savings, as discussed with and confirmed by the senior management of Norwood and its representatives, as well as an assumption relating to Delaware&#8217;s standalone estimated earnings per share, as provided by the senior management of Norwood and its representatives.&#160;&#160;With respect to those projections, estimates and judgments, the respective managements of Delaware and Norwood confirmed to us that those projections, estimates and judgments, reflected the best currently available projections, estimates and judgments of those respective managements of the future financial performance of Delaware and Norwood, respectively, and we assumed that such performance would be achieved.&#160;&#160;We express no opinion as to such projections, estimates or judgments, or the assumptions on which they are based.&#160;&#160;We have also assumed that there has been no material change in Delaware&#8217;s or Norwood&#8217;s assets, financial condition, results of operations, business or prospects since the date of the most recent financial statements made available to us.&#160;&#160;We have assumed in all respects material to our analysis that Delaware and Norwood will remain as going concerns for all periods relevant to our analyses.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have also assumed, with your consent, that (i) each of the parties to the Agreement will comply in all material respects with all material terms and conditions of the Agreement and </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">B-3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><img src="sandleroneill.jpg" alt=""></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">all related agreements, that all of the representations and warranties contained in such agreements are true and correct in all material respects, that the parties to such agreements will perform in all material respects all of the covenants and other obligations required to be performed by such party under such agreements and that the conditions precedent in such agreements are not and will not be waived, (ii) in the course of obtaining the necessary regulatory or third party approvals, consents and releases with respect to the Merger, no delay, limitation, restriction or condition will be imposed that would have an adverse effect on Delaware, Norwood or the Merger or any related transaction, (iii) the Merger and any related transaction will be consummated in accordance with the terms of the Agreement without any waiver, modification or amendment of any material term, condition or agreement thereof and in compliance with all applicable laws and other requirements, (iv) the Merger will be consummated without Delaware&#8217;s rights under Section 10.1(i) of the Agreement having been triggered, or if such rights have been triggered, Norwood shall have exercised the option referred to in Section 10.1(i) of the Agreement, and (v) the Merger will qualify as a tax-free reorganization for federal income tax purposes.&#160;&#160;Finally, with your consent, we have relied upon the advice that Delaware has received from its legal, accounting and tax advisors as to all legal, accounting and tax matters relating to the Merger and the other transactions contemplated by the Agreement.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Our opinion is necessarily based on financial, economic, market and other conditions as in effect on, and the information made available to us as of, the date hereof.&#160;&#160;Events occurring after the date hereof could materially affect this opinion.&#160;&#160;We have not undertaken to update, revise, reaffirm or withdraw this opinion or otherwise comment upon events occurring after the date hereof.&#160;&#160;We express no opinion as to the trading values of Delaware Common Stock or Norwood Common Stock at any time or what the value of Norwood Common Stock will be once it is actually received by the holders of Delaware Common Stock.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have acted as Delaware&#8217;s financial advisor in connection with the Merger and will receive a fee for our services, a substantial portion of which is contingent upon consummation of the Merger.&#160;&#160;We will also receive a fee for rendering this opinion, which fairness opinion fee will be credited in full towards the fee becoming due and payable to us on the day of closing of the Merger.&#160;&#160;Delaware has also agreed to indemnify us against certain claims and liabilities arising out of our engagement&#160;and to reimburse us for certain of our out-of-pocket expenses incurred in connection with our engagement.&#160;&#160;In the ordinary course of our business as a broker-dealer, we may purchase securities from and sell securities to Delaware or Norwood and their respective affiliates. We may also actively trade the equity and debt securities of Delaware and Norwood or their respective affiliates for our own account and for the accounts of our customers.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Our opinion is directed to the Board of Directors of Delaware in connection with its consideration of the Agreement and the Merger and does not constitute a recommendation to any </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">B-4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><img src="sandleroneill.jpg" alt=""></font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">shareholder of Delaware as to how any such shareholder should vote at any meeting of shareholders called to consider and vote upon the adoption of the Agreement and approval of the Merger.&#160;&#160;Our opinion is directed only to the fairness, from a financial point of view, of the Merger Consideration to the holders of Delaware Common Stock and does not address the underlying business decision of Delaware to engage in the Merger, the form or structure of the Merger or the other transactions contemplated in the Agreement, the relative merits of the Merger as compared to any other alternative transactions or business strategies that might exist for Delaware or the effect of any other transaction in which Delaware might engage.&#160;&#160;We also do not express any opinion as to the amount of compensation to be received in the Merger by any Delaware or Norwood officer, director or employee,&#160;or class of such persons, if any, relative to the amount of compensation to be received by any other shareholder.&#160;&#160;This opinion has been approved by Sandler O&#8217;Neill&#8217;s fairness opinion committee.&#160;&#160;This opinion shall not be reproduced without Sandler O&#8217;Neill&#8217;s prior written consent, provided however Sandler O&#8217;Neill will provide its consent for the opinion to be included in regulatory filings to be completed in connection with the Merger.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based upon and subject to the foregoing, it is our opinion that, as of the date hereof, the Merger Consideration is fair to holders of Delaware Common Stock from a financial point of view.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 288pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Very truly yours,</font></div>

<div style="MARGIN-LEFT: 288pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 288pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 288pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><img src="sandleroneillsig.jpg" alt=""></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">B-5</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold; DISPLAY: inline">ANNEX C</font></div>

<div><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">NEW YORK BUSINESS CORPORATION LAW &#167; 623</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#167; 623. Procedure to enforce shareholder's right to receive payment for shares.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a) A shareholder intending to enforce his right under a section of this chapter to receive payment for his shares if the proposed corporate action&#160;&#160;referred to therein is taken shall file with the corporation,&#160;&#160;before the meeting of shareholders at which the action is submitted to a vote, or at such meeting but before the vote, written objection to the action. The objection shall include a notice of his election to dissent, his name and residence address, the number and classes of shares as to which he dissents and a demand for payment of the fair value of his shares if the action is taken.&#160;&#160;Such objection is not required from any shareholder to whom the corporation did not give notice of such meeting in accordance with&#160;&#160;this chapter or where the proposed action is authorized by written consent of shareholders without a meeting.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b) Within ten days after the shareholders' authorization date, which term as used in this section means the date on which the shareholders' vote authorizing such action was taken, or the date on which&#160;&#160;such consent a meeting was obtained from the requisite shareholders, the corporation shall give&#160;&#160;written&#160;&#160;notice&#160;&#160;of&#160;&#160;such&#160;&#160;authorization&#160;&#160;or consent&#160;&#160;by&#160;&#160;registered&#160;&#160;mail&#160;&#160;to&#160;&#160;each&#160;&#160;shareholder&#160;&#160;who&#160;&#160;filed written objection or from whom written objection was not required, excepting any shareholder who voted for or consented in writing to the proposed action and who thereby is deemed to have elected not to enforce his right to receive payment for his shares.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c) Within&#160;&#160;twenty&#160;&#160;days&#160;&#160;after&#160;&#160;the&#160;&#160;giving&#160;&#160;of&#160;&#160;notice to him, any shareholder from whom written objection was not required and who&#160;&#160;elects to&#160;&#160;dissent&#160;&#160;shall&#160;&#160;file&#160;&#160;with&#160;&#160;the corporation a written notice of such election, stating his name and residence address, the number and classes of shares as to which he dissents and a demand for payment of the fair value of his shares. Any shareholder who elects to dissent from a merger under section 905 (Merger of subsidiary corporation) or paragraph (c) of section 907 (Merger or consolidation of domestic and foreign corporations) or from a share exchange under paragraph&#160;&#160;(g)&#160;&#160;of&#160;&#160;section 913 (Share exchanges) shall file a written notice of such election to dissent within twenty days after the giving to him of a copy of the plan of merger or exchange or an outline of&#160;&#160;the&#160;&#160;material&#160;&#160;features&#160;&#160;thereof under section 905 or 913.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(d) A shareholder may not dissent as to less than all of the shares, as to which he has a right to dissent, held by him of record, that he owns beneficially.&#160;&#160;A nominee or fiduciary may not dissent on behalf of any beneficial owner as to less than all of the shares of such owner, as to which such nominee or fiduciary has a right to dissent, held of record by such nominee or fiduciary.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(e) Upon consummation&#160;&#160;of the corporate action, the shareholder shall cease to have any of the rights of a shareholder except the right to be paid the fair value of his shares and any other rights under this section. A notice of election may be withdrawn by the shareholder at any time prior to his acceptance in writing of an offer made by the corporation, as provided in paragraph (g), but in no case later than sixty days from the date of consummation of the corporate action except that if the corporation fails to make a timely offer, as provided in paragraph (g), the time for withdrawing a notice of election shall be extended until sixty days from the date an offer is&#160;&#160;made. Upon expiration of such time, withdrawal of a notice of election shall require the written consent of the corporation.&#160;&#160;In order to be effective, withdrawal of a notice of election must be accompanied by the return to the corporation of any advance payment made to the shareholder as provided in paragraph (g).&#160;&#160;If a notice of election is withdrawn, or the corporate action is rescinded, or a court shall determine that the shareholder is not entitled to receive payment for his shares, or the shareholder shall otherwise lose his dissenters' rights, he shall not have the right to receive payment for his shares and he shall be reinstated to all his rights as a shareholder as of the consummation of the corporate action, including any intervening preemptive rights and the right to payment of any intervening dividend or other distribution or, if any such rights have expired or any such dividend or distribution other than in cash has been completed, in lieu thereof, at the election of the corporation, the </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">C-1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">fair value thereof in cash as determined by the&#160;&#160;board as of the time of such expiration or completion, but without prejudice otherwise to any corporate&#160;&#160;proceedings&#160;&#160;that&#160;&#160;may&#160;&#160;have&#160;&#160;been taken in the interim.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(f) At the time of filing the notice of election to dissent or within one month thereafter the&#160;&#160;shareholder of shares represented by certificates shall submit the certificates representing his shares to the corporation, or to its transfer agent, which shall forthwith note conspicuously thereon that a notice of election has been filed and shall return the certificates to the shareholder or other person who submitted them on his behalf.&#160;&#160;Any shareholder of shares represented by certificates who fails to submit his certificates for such notation as herein specified shall, at the option of the corporation exercised by written notice to him within forty-five days from the date of filing of such notice of election to dissent, lose his dissenter's rights unless a&#160;&#160;court, for good cause shown, shall otherwise direct. Upon transfer of a certificate bearing such notation, each new certificate issued therefor shall bear a similar notation together with the name of the original dissenting holder of the shares and a transferee shall acquire no rights in the corporation except&#160;&#160;those which the original dissenting shareholder had at the time of transfer.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(g) Within fifteen days after the expiration of the period within which shareholders may file their notices of election to dissent, or within fifteen days after the proposed corporate action is consummated, whichever is later (but in no case later than ninety days from the shareholders'&#160;&#160;authorization date), the corporation or, in the case of a merger or consolidation, the surviving or new corporation, shall make a written&#160;&#160;offer by registered mail to each shareholder who has filed such notice of election to pay for his shares at a specified price which the corporation considers&#160;&#160;to be their fair value.&#160;&#160;Such offer shall be accompanied by a statement setting forth the aggregate number of shares with respect to which notices of election to dissent have been received and the aggregate number of holders of such&#160;&#160;shares.&#160;&#160;If the corporate action has been consummated, such offer shall also be accompanied by (1) advance payment to each such shareholder who has&#160;&#160;submitted the certificates representing his shares to the corporation, as provided in paragraph&#160;&#160;(f),&#160;&#160;of an amount equal to eighty percent of the amount of such offer, or (2) as to each shareholder who has not yet submitted his certificates a statement that advance payment to him of an amount equal to eighty percent of the amount of such offer will be made by the corporation&#160;&#160;promptly&#160;&#160;upon submission of his certificates.&#160;&#160;If the corporate action has not been consummated at the time of the making of the offer, such advance payment or statement as to advance payment shall be sent to each shareholder entitled thereto forthwith upon consummation of the corporate&#160;&#160;action.&#160;&#160;Every advance payment or statement as to advance payment shall include advice to the shareholder to the effect that&#160;&#160;acceptance of such payment does not constitute a waiver of any&#160;&#160;dissenters' rights. If the corporate action has not been consummated upon the expiration of the ninety day period after the shareholders' authorization date, the offer may be conditioned upon&#160;&#160;the consummation of such action. Such offer shall be made at the same price per share to all dissenting shareholders of the same class, or if divided into series, of the same series and shall be accompanied by a balance sheet of the corporation whose shares the dissenting shareholder holds&#160;&#160;as of the latest available date, which shall not be earlier than twelve months before the making&#160;&#160;of such offer, and a profit and loss statement or statements for not less than a twelve month period ended on the date of such balance sheet or, if the corporation was not in existence&#160;&#160;throughout such twelve month period, for the portion thereof during which it was in existence. Notwithstanding the foregoing, the corporation shall not be required to furnish a balance sheet&#160;&#160;or profit and loss statement or statements to any shareholder to whom such balance sheet or profit and loss statement or statements were previously furnished, nor if in connection with obtaining the shareholders' authorization for or consent to the proposed corporate action the shareholders were furnished with a proxy or information statement, which included financial statements, pursuant to Regulation 14A or Regulation 14C&#160;&#160;of&#160;&#160;the United States Securities and Exchange Commission. If within thirty days after the making of such offer, the corporation&#160;&#160;making the offer and any shareholder agree upon the price to be paid for his shares, payment therefor shall be made within sixty days after the making of such offer or the consummation of the proposed corporate action, whichever is later, upon the surrender of the certificates for any such shares represented by certificates.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">C-2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(h) The following procedure shall apply if the corporation fails to make such offer within such period of fifteen days, or if it makes the offer and any dissenting shareholder or shareholders fail to agree with it within the period of thirty days thereafter upon the price to be paid for their shares:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1) The corporation shall, within twenty days after the expiration of whichever is applicable of the two periods last mentioned, institute a special proceeding in the supreme court in the judicial&#160;&#160;district in which the office of the corporation is located to determine the rights of dissenting shareholders and to fix the fair value of their shares. If, in the case of merger or consolidation, the surviving or new corporation is a foreign corporation without an office&#160;&#160;in&#160;&#160;this&#160;&#160;state, such proceeding shall be brought in the county where the office of the domestic corporation, whose shares are to be valued, was located.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2) If the corporation fails to institute such proceeding within such period of twenty days, any dissenting shareholder may institute such proceeding for the same purpose not later than thirty&#160;&#160;days after the expiration of such twenty day period.&#160;&#160;If such proceeding is not instituted within such thirty day period, all dissenter's rights shall be lost unless the supreme court, for good cause shown, shall otherwise direct.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3) All dissenting shareholders, excepting those who, as provided in paragraph&#160;&#160;(g),&#160;&#160;have&#160;&#160;agreed with the corporation upon the price to be paid for their shares, shall be made parties to such proceeding, which shall have the effect of an action quasi in rem against their shares.&#160;&#160;The corporation shall serve a copy of the petition in such proceeding upon each dissenting shareholder who is a resident of this state in the manner provided by law for the service of a summons, and upon each nonresident dissenting shareholder either by registered mail and publication, or in such other manner as is permitted by law.&#160;&#160;The jurisdiction of the court shall be plenary and exclusive.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(4) The court shall determine whether each dissenting shareholder, as to whom the corporation requests the court to make such determination, is entitled to receive payment for his shares. If the corporation does not request any such determination or if the court finds that any dissenting shareholder is so entitled, it shall proceed to fix the value of the shares, which, for the purposes of this section, shall be the fair value as of the close of business on the day prior to the&#160;&#160;shareholders'&#160;&#160;authorization&#160;&#160;date.&#160;&#160;In fixing the fair value of the shares, the court shall consider the nature of the transaction giving rise to the shareholder's right to receive payment for shares and its effects on the corporation and its shareholders, the concepts and methods then customary in the relevant securities and financial markets for determining fair value of shares of a&#160;&#160;corporation engaging in a similar transaction under comparable circumstances and all other&#160;&#160;relevant factors. The court shall determine the fair value of the shares without a jury and without referral to an appraiser or referee.&#160;&#160;&#160;Upon application by the corporation or by any shareholder who is a party to the proceeding, the court may, in its discretion, permit pretrial disclosure,&#160;&#160;including, but not limited to, disclosure of any expert's reports relating to the fair value of the shares whether or not intended for use at the trial in the proceeding and notwithstanding&#160;&#160;subdivision (d) of section 3101 of the civil practice law and rules.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(5) The final order in the proceeding shall be entered against the corporation in favor of each dissenting shareholder who is a party to the proceeding and is entitled thereto for the value of his shares so determined.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(6) The final order shall include an allowance for interest at such rate as the court finds to be equitable, from the date the corporate action was consummated to the date of payment. In determining the rate of interest, the court shall consider all relevant factors, including the rate of interest which the corporation would have had to pay to borrow money during the pendency of the proceeding. If the court finds that the refusal of any shareholder to accept the corporate offer&#160;&#160;of payment for his shares was arbitrary, vexatious or otherwise not in good faith, no interest shall be allowed to him.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(7) Each party to such proceeding shall bear its own costs and expenses, including the fees and expenses of its counsel and of any experts employed by it. Notwithstanding the foregoing, the court may, in its discretion, apportion and assess all or any part of the costs, </font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">C-3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div style="MARGIN-LEFT: 9pt">&#160;</div>

<div style="MARGIN-LEFT: 9pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 36pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">expenses and fees incurred by the corporation against any or all of the dissenting shareholders who are parties to the proceeding, including any who have withdrawn their notices of election as provided in paragraph (e), if the court finds that their refusal to accept the corporate offer was arbitrary, vexatious or otherwise not in good faith. The court may, in its discretion, apportion and assess all or any part of the costs, expenses and fees incurred by any or all of the dissenting&#160;&#160;shareholders who are parties to the proceeding against the corporation if the court finds any of the following: (A) that the fair value of the shares as determined materially exceeds the amount which the corporation offered to pay; (B) that no offer or required advance payment was made&#160;&#160;by the corporation;&#160;&#160;(C) that the corporation failed to institute the special proceeding within the period specified therefor; or (D) that the action of the corporation in complying with its obligations as provided in this section was arbitrary, vexatious or otherwise not in good faith. In&#160;&#160;making any determination as provided in clause (A), the court may consider the dollar amount or the percentage, or both, by which the fair value of the shares as determined exceeds the corporate offer.</font></div>
</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(8) Within sixty days after final determination of the proceeding, the corporation shall pay to each dissenting shareholder the amount found to be due him, upon surrender of the certificates for any such shares represented by certificates.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i) Shares acquired by the corporation upon the payment of the agreed value therefor or of the amount due under the final order, as provided in this section, shall become treasury shares or be cancelled as provided in section 515 (Reacquired shares), except that, in the case of a merger or consolidation, they may be held and disposed of as the plan of merger or consolidation may otherwise provide.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(j) No payment shall be made to a dissenting shareholder under this section at a time when the corporation is insolvent or when such payment would make it insolvent.&#160;&#160;In such event, the&#160;&#160;dissenting shareholder shall, at his option:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1) Withdraw his notice of election, which shall in such event be deemed withdrawn with the written consent of the corporation; or</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2) Retain his status as a claimant against the corporation and, if it is liquidated, be&#160;&#160;subordinated to the rights of creditors of the corporation, but have rights superior to the non-dissenting shareholders, and if it is not liquidated, retain his right to be paid for his shares, which right the corporation shall be obliged to satisfy when the restrictions of this paragraph do not apply.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3) The dissenting shareholder shall exercise such option under subparagraph&#160;&#160;(1)&#160;&#160;or&#160;&#160;(2)&#160;&#160;by written notice filed with the corporation within thirty days after the corporation has given him&#160;&#160;written notice that payment for his shares cannot be made because of the restrictions of this paragraph. If the dissenting shareholder fails to exercise such option as provided, the corporation shall exercise the option by written notice given to him within twenty days after the expiration of such period of thirty days.</font></div>

<div style="MARGIN-LEFT: 36pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(k) The enforcement by a shareholder of his right to receive payment for his shares in the manner provided herein shall exclude the enforcement by such shareholder of any other right to which he might otherwise be entitled by virtue of share ownership, except as provided in paragraph (e), and except that this section shall not exclude the right&#160;&#160;of such shareholder to bring or maintain an appropriate action to obtain relief on the ground that such corporate action&#160;&#160;will be or is unlawful or fraudulent as to him.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(l) Except as otherwise expressly provided in this section, any notice to be given by a corporation to a shareholder under this section shall be given in the manner provided in section 605 (Notice of meetings of shareholders).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(m) This section shall not apply to foreign corporations except as provided in subparagraph (e) (2) of section 907 (Merger or consolidation of domestic and foreign corporations).</font></div>

<div><br>
</div>

<div>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">C-4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>
</div>

<div><br>
<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">PART II</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">INFORMATION NOT REQUIRED IN THE PROSPECTUS</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Item&#160;20.</font></div>
</td>
<td valign="top" width="93%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Indemnification of Officers and Directors</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;The Registrant has authority under the Pennsylvania Business Corporation Law to indemnify its directors and officers to the extent provided in such statute.&#160;&#160;The Registrant's Articles of Incorporation provide that the Registrant shall indemnify its executive officers and directors to the fullest extent permitted by law either now or hereafter.&#160;&#160;In general, Pennsylvania law permits a Pennsylvania corporation to indemnify its directors, officers, employees and agents, and persons serving at the corporation's request in such capacities for another enterprise against liabilities arising from conduct that such persons reasonably believed to be in, or not opposed to, the best interests of the corporation and, with respect to any criminal action or proceeding, had no reasonable cause to believe their conduct was unlawful.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;The provisions of the Pennsylvania Business Corporation Law that authorize indemnification do not eliminate the duty of care of a director and, in appropriate circumstances, equitable remedies such as injunctive or other forms of nonmonetary relief will remain available under Pennsylvania law.&#160;&#160;In addition, each director will continue to be subject to liability for (a) violations of the criminal law, unless the director had reasonable cause to believe his conduct was lawful or had no reasonable cause to believe his conduct was unlawful, (b) deriving an improper personal benefit from a transaction, (c) voting for or assenting to an unlawful distribution, and (d) willful misconduct or a conscious disregard for the best interests of the Registrant in a proceeding by or in the right of the Registrant to procure a judgment in its favor or in a proceeding by or in the right of a shareholder.&#160;&#160;The statute does not affect a director's responsibilities under any other law, such as the federal securities laws or state or federal environmental laws.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;At present, there is no pending litigation or proceeding involving a director or officer of the Registrant as to which indemnification is being sought from the Registrant, nor is the Registrant aware of any threatened litigation that may result in claims for indemnification from the Registrant by any officer or director.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;Further, the Registrant may purchase and maintain insurance on behalf of any person who is or was a director, officer, employee, or agent of the Registrant or is or was serving at the request of the Registrant as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any liability asserted against him and incurred by him in any such capacity or arising out of his status as such, whether or not the Registrant would have the power to indemnify him against such liability under the provisions of the Articles.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="7%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Item&#160;21.</font></div>
</td>
<td valign="top" width="93%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">Exhibits and Financial Statement Schedules</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; DISPLAY: inline">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">Exhibits</font>.&#160;&#160;See Exhibit Index.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; DISPLAY: inline">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">Financial Statement Schedules</font>.&#160;&#160;Not applicable.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="FONT-WEIGHT: bold; DISPLAY: inline">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-WEIGHT: bold; DISPLAY: inline">Reports, Opinions or Appraisals</font>.&#160;&#160;Opinion of Sandler O&#8217;Neill &amp; Partners, L.P. (included as Annex B to the Proxy Statement/Prospectus contained in this Registration Statement).</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">II-1</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">Item&#160;22.&#160;&#160;Undertakings</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The undersigned Registrant hereby undertakes:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;To include any prospectus required by Section&#160;10(a)(3) of the Securities Act of 1933;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement.&#160;&#160;Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than 20 percent change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in the effective registration statement;&#160;and</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="FONT-STYLE: italic; DISPLAY: inline">bona fide</font> offering thereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(3)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(b)(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The undersigned registrant hereby undertakes as follows: that prior to any public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration statement, by any person or party who is deemed to be an underwriter within the meaning of Rule 145(c), the issuer undertakes that such reoffering prospectus will contain the information called for by the applicable registration form with respect to reofferings by persons who may be deemed underwriters, in addition to the information called for by the other items of the applicable form.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The registrant undertakes that every prospectus: (i) that is filed pursuant to paragraph (1) immediately preceding, or (ii) that purports to meet the requirements of Section 10(a)(3) of the Act and is used in connection with an offering of securities subject to Rule 415, will be filed as a part of an amendment to the registration statement and will not be used until such amendment is effective, and that, for purposes of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="FONT-STYLE: italic; DISPLAY: inline">bona fide</font> offering thereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">II-2</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">(other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act of 1933 and will be governed by the final adjudication of such issue.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The undersigned registrant hereby undertakes to respond to requests for information that is incorporated by reference into the prospectus pursuant to Items 4, 10(b), 11, or 13 of this Form, within one business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means.&#160;&#160;This includes information contained in documents filed subsequent to the effective date of the registration statement through the date of responding to the request.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The undersigned registrant hereby undertakes to supply by means of a post-effective amendment all information concerning a transaction, and the company being acquired involved therein, that was not the subject of and included in the registration statement when it became effective.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">II-3</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">SIGNATURES</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Honesdale, Commonwealth of Pennsylvania, on the 21st day of April, 2016</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="middle" width="54%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="bottom" width="46%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">NORWOOD FINANCIAL CORP.</font></font></td>
</tr><tr>
<td colspan="3" valign="top" width="100%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-WEIGHT: bold; DISPLAY: inline">&#160;</font></div>
</td>
</tr><tr>
<td valign="middle" width="54%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td colspan="2" valign="middle" width="46%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="54%" style="PADDING-BOTTOM: 2px">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>
</td>
<td valign="bottom" width="4%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">By:&#160; </font></td>
<td valign="top" width="42%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Lewis J. Critelli&#160; </font></td>
</tr><tr>
<td valign="top" width="54%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="42%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Lewis J. Critelli</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">President and Chief Executive Officer</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Duly Authorized Representative)</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">POWER OF ATTORNEY</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Each person whose signature appears below appoints Lewis J. Critelli, as his or her true and lawful attorney-in-fact and agent, for him or her and in his or her name, place and stead, in any and all capacities, to sign any and all amendments (including post-effective amendments) to this Registration Statement and any Registration Statement (including any amendment thereto) for this offering that is to be effective upon filing pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto, and all other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorney-in-fact and agent full power and authority to do and perform each and every act and thing requisite and necessary to be done, as fully to all intents and purposes as he or she might or would do in person, hereby ratifying and confirming all that said attorney-in fact and agent may lawfully do or cause to be done by virtue hereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons on April 21, 2016 in the capacities indicated.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Lewis J. Critelli&#160; </font></td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ William W.&#160;Davis, Jr.&#160; </font></td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Lewis J. Critelli</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">President, Chief Executive Officer and&#160;&#160;Director</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Principal Executive Officer )</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">William W. Davis, Jr.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
</tr><tr>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Susan Gumble&#160; </font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dr. Andrew A. Forte</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Susan Gumble</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
</tr><tr>
<td valign="top" width="37%" style="BORDER-BOTTOM: black 2px solid">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Joseph W. Adams&#160;</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ John E. Marshall&#160; </font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Joseph W. Adams</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">John E. Marshall</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
</tr><tr>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Ralph A. Matergia&#160; </font></td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Dr. Kenneth A. Phillips&#160; </font></div>
</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Ralph A. Matergia</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Dr. Kenneth A. Phillips</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
</tr><tr>
<td valign="top" width="37%" style="BORDER-BOTTOM: black 2px solid">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160;</font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ William S. Lance&#160; </font></div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="bottom" width="37%" style="BORDER-BOTTOM: black 2px solid">&#160;</td>
</tr><tr>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">William S. Lance</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Executive Vice President and Chief Financial Officer</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">(Principal Financial and Accounting Officer)</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
<td valign="top" width="4%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="37%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Kevin M. Lamont</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Director</font></div>
</td>
</tr></table>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">II-4</font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline">EXHIBIT INDEX</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline"><font style="TEXT-DECORATION: underline">No</font>.</font></font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; TEXT-DECORATION: underline; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="DISPLAY: inline">Description</font></font></div>
</td>
</tr><tr>
<td valign="top" width="5%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="69%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">2.1</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Agreement and Plan of Merger, dated March 10, 2016, by and among Norwood Financial Corp., Wayne Bank, Delaware Bancshares, Inc. and The National Bank of Delaware County. <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(1)</font></font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3(i)</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Articles of Incorporation of Norwood Financial Corp.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">3(ii)</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Bylaws of Norwood Financial Corp. <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(3)</font></font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">4.0</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Specimen Stock Certificate of Norwood Financial Corp.<font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline"> (2)</font></font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">5.1</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Opinion of Jones Walker, LLP as to legality</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.1</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Opinion of Jones Walker, LLP as to tax consequences</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">8.2</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Opinion of Cranmore, FitzGerald &amp; Meaney as to tax consequences</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">10.1</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Form of Support Agreement <font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(4)</font></font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.1</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consent of S.R. Snodgrass, P.C.</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.2</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consent of Dannible &amp; McKee, LLP</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.3</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consents of Jones Walker, LLP (contained in their opinions filed as Exhibits 5.1 and 8.1)</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">23.4</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consent of Cranmore, FitzGerald &amp; Meaney (contained in their opinion filed as Exhibit 8.2)</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">24.1</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Power of Attorney (contained in the signature page of the registration statement)</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">99.1</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Consent of Sandler O&#8217;Neill &amp; Partners, L.P.</font></div>
</td>
</tr><tr>
<td valign="top" width="5%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">99.2</font></div>
</td>
<td valign="top" width="69%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Form of Proxy Card</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="10%" style="BORDER-TOP: black 0.5pt solid">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(1)</font></font></div>
</td>
<td valign="top" width="90%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Included as Annex A to the proxy statement/prospectus (the schedules and exhibits have been omitted pursuant to Item 601(b)(2) of Regulation S-K).</font></div>
</td>
</tr><tr>
<td valign="top" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(2)</font></font></div>
</td>
<td valign="top" width="90%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Incorporated herein by reference into this document from the Exhibits to Form 10, Registration Statement initially filed with the Commission on April 29, 1996, Registration No. 0-28364.</font></div>
</td>
</tr><tr>
<td valign="top" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(3)</font></font></div>
</td>
<td valign="top" width="90%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Incorporated by reference into this document from the identically numbered exhibits to the Registrant&#8217;s Form 10-Q filed with the Commission on August 8, 2014.</font></div>
</td>
</tr><tr>
<td valign="top" width="10%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline"><font style="FONT-SIZE: 70%; VERTICAL-ALIGN: text-top; DISPLAY: inline">(4)</font></font></div>
</td>
<td valign="top" width="90%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Included as Exhibit A to Annex A to the proxy statement/prospectus.</font></div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: center; DISPLAY: block; TEXT-INDENT: 0pt">II-5</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>

<br>
</div>
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1 - OPINION OF JONES WALKER, LLP AS TO LEGALITY
<TEXT>
<html>
<head>
    <title>ex5-1.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<img src="joneswalker-logo.jpg" alt=""><br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">April 21, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Board of Directors</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood Financial Corp.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">717 Main Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Honesdale, PA&#160;&#160;18431</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>RE:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Registration Statement on Form S-4</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Ladies and Gentlemen:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have acted as special counsel to Norwood Financial Corp., a Pennsylvania corporation (the &#8220;Company&#8221;), in connection with the preparation of a registration statement on Form&#160;S-4 (the &#8220;Registration Statement&#8221;) being filed with the Securities and Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;) relating to the issuance of up to 431,815 shares of the Company&#8217;s common stock, $.10 par value (the &#8220;Shares&#8221;) pursuant the Agreement and Plan of Merger dated March 10, 2016, by and among the Company, Wayne Bank, Delaware Bancshares, Inc. and The National Bank of Delaware County (the &#8220;Merger Agreement&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In connection with this opinion, we have examined originals or copies, certified or otherwise identified to our satisfaction, of:&#160;&#160;(i)&#160;the Registration Statement; (ii)&#160;the articles of incorporation of the Company as currently in effect; (ii)&#160;the bylaws of the Company as currently in effect; (iv)&#160;the Merger Agreement; (v)&#160;certain resolutions of the Board of Directors of the Company relating to the Merger Agreement and the issuance of the securities covered by the Registration Statement; and (vi)&#160;such other documents, corporate records and instruments as we have deemed necessary or appropriate in connection with providing this opinion letter.&#160;&#160;In our examination, we have assumed the genuineness of all signatures, the authenticity of all documents submitted to us as originals and the conformity to authentic original documents of all documents submitted to us as copies.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Our opinions set forth below are limited to the matters expressly set forth in this opinion letter.&#160;&#160;No opinion is to be implied or may be inferred beyond the matters expressly so stated.&#160;&#160;The opinions expressed herein are limited solely to matters involving the application of the Business Corporation Law of the Commonwealth of Pennsylvania, and we express no opinion with respect to the laws of any other jurisdiction.&#160;&#160;The opinions expressed herein concern only the effect of laws as now in effect and are rendered as of the date hereof.&#160;&#160;We undertake no, and hereby disclaim any, obligation to revise or supplement this opinion letter should such laws be changed by legislative action, judicial decision, or otherwise after the date of this opinion letter, or if we become aware of any facts that might change the opinions expressed herein after the date of this opinion letter.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">April 21, 2016</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">Page 2</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Subject to the foregoing and the other matters set forth herein, it is our opinion that, as of the date hereof, the Shares have been duly authorized and upon issuance and delivery as provided in the Merger Agreement, such Shares will be validly issued, fully paid and non-assessable.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We hereby consent to the filing of this opinion as Exhibit 5.1 to the Registration Statement and to the use of our name under the caption &#8220;Legal Opinions&#8221; in the Registration Statement and in the prospectus included therein.&#160;&#160;In giving such consent, we do not admit that we come within the category of persons whose consent is required by Section&#160;7 of the Securities Act or the rules and regulations of the Commission thereunder.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="42%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">Very truly yours,</font></div>
</td>
</tr><tr>
<td valign="top" width="42%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="36%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="42%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="36%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">/s/ Jones Walker LLP&#160; </font></td>
</tr><tr>
<td valign="top" width="42%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="36%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
</tr><tr>
<td valign="top" width="42%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">&#160; </font></td>
<td valign="top" width="36%">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; DISPLAY: inline">JONES WALKER LLP</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
</td>
</tr></table>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div>&#160;</div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>3
<FILENAME>ex8-1.htm
<DESCRIPTION>EXHIBIT 8.1 - OPINION OF JONES WALKER, LLP AS TO TAX OPINION
<TEXT>
<html>
<head>
    <title>ex8-1.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><img src="joneswalker-logo.jpg" alt=""><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">April 21, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Board of Directors</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Norwood Financial Corp.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">717 Main Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Honesdale, PA&#160;&#160;18431</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">RE:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Norwood Financial/Delaware Bancshares Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Dear Board Members:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have acted as special counsel to Norwood Financial Corp., a Pennsylvania corporation (&#8220;Norwood&#8221;) and Wayne Bank (the &#8220;Bank&#8221;), in connection with the planned merger (the &#8220;Merger&#8221;) of Delaware Bancshares, Inc., a New York corporation (&#8220;DBI&#8221;), with and into Norwood pursuant to the Agreement and Plan of Merger (the &#8220;Agreement&#8221;) by and among Norwood, the Bank, DBI, and The National Bank of Delaware County (&#8220;NBDC&#8221;), dated as of March 10, 2016,<font style="FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font>as described in the proxy statement and other proxy solicitation materials of DBI, and the prospectus of Norwood constituting a part thereof (the &#8220;Proxy Statement-Prospectus&#8221;), which is part of the registration statement on Form S-4 to be filed by Norwood on or about the date hereof (the &#8220;Registration Statement&#8221;) in connection with the Merger.&#160;&#160;We issue this opinion pursuant to the requirements of the Form S-4.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In connection with the opinions expressed below, we have examined and relied upon originals, or copies certified or otherwise identified to our satisfaction, and of such corporate records of Norwood and the Bank as we have deemed appropriate.&#160;&#160;We have also relied, without independent verification, upon certain representations made by Norwood and DBI.&#160;&#160;We have assumed that such representations are true, complete and correct and will remain true, complete and correct at all times and that Norwood, the Bank, DBI and NBDC will act in accordance with the descriptions set forth in the Registration Statement.&#160;&#160;In addition, we have made such investigations of law as we have deemed appropriate to form a basis for the opinions expressed below.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In rendering this opinion, we have considered the applicable provisions of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), Treasury Regulations promulgated thereunder, interpretive rulings of the Internal Revenue Service (the &#8220;IRS&#8221;), pertinent judicial authorities and such other authorities as we have considered relevant as of the date hereof (hereinafter, collectively referred to as &#8220;Current Law&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have made no independent investigation as to the accuracy or completeness of any representation, warranty, data or other factual information, written or oral, set forth herein, made or furnished in connection with the Agreement or the transactions contemplated thereby or in any of the other documents referred to therein. Attorneys at our firm are licensed to practice law in the District of Columbia.&#160;&#160;The opinions expressed herein are limited to the federal income tax laws and regulations </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Board of Directors</font></div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Norwood Financial Corp.</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">April 21, 2016</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Page 2</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">applicable to the Merger, and we do not opine on any other federal law or the laws of any other applicable jurisdiction.&#160;&#160;We have acted as special counsel solely in connection with the application of federal income tax laws and regulations laws applicable to the Merger and the Agreement and, consequently, there may exist matters of a legal nature concerning Norwood and the Bank in connection with which we have not been consulted and have not represented Norwood and the Bank.&#160;&#160;Our opinions below are limited to the matters expressly set forth in this opinion letter, and no opinion is to be implied or inferred beyond the matters stated.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based upon and subject to the foregoing, and subject to the qualifications, assumptions and limitations stated therein and in the Registration Statement, we are of the opinion that under Current Law (1)&#160;the Merger will qualify as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code; (2)&#160;Norwood and DBI will each be a party to the &#8220;reorganization&#8221; within the meaning of Section 368(b) of the Code and (3)&#160;the statements set forth in the discussion contained in the Registration Statement under the caption heading &#8220;Material United States Federal Income Tax Consequences of the Merger,&#8221; insofar as they purport to constitute summaries of matters of United States tax law and regulations or legal conclusions with respect thereto, constitute accurate summaries of the matters described therein in all material respects.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This opinion is based on Current Law.&#160;&#160;It is possible that Congress could enact new law, or that Department of the Treasury or the IRS or other authorities could issue interpretive rulings or regulations, after the date hereof which would be inconsistent with the opinion expressed herein.&#160;&#160;It is possible that courts of competent jurisdiction could issue decisions after the date hereof which would be inconsistent with the opinion expressed herein.&#160;&#160;Any changes in law could have retroactive effect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This opinion is given as of the date hereof, is expressly limited to the facts existing as of such date, and we assume no obligation to advise you of changes that may hereafter be brought to our attention.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We hereby consent to the filing of this opinion with the Securities and Exchange Commission&#160;as an exhibit to the Registration Statement and the references therein&#160;to us.&#160;&#160;In giving this consent, we do not hereby admit that we are within the category of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended, or the rules and regulations of the Securities and Exchange Commission thereunder.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 252pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Very truly yours,</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 252pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 252pt" align="justify">/s/ Jones Walker LLP</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 252pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 252pt"></font>Jones Walker LLP</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.2
<SEQUENCE>4
<FILENAME>ex8-2.htm
<DESCRIPTION>EXHIBITG 8.2 - OPINION OF CRANMORE, FITZGERALD & MEANEY AS TO TAX CONSEQUENCES
<TEXT>
<html>
<head>
    <title>ex8-2.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<br>
<div id="PGBRK" style="WIDTH: 100%; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">&#160;</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%" align="left">
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; DISPLAY: inline">Cranmore, FitzGerald &amp; Meaney</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; DISPLAY: inline">Attorneys at Law</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; DISPLAY: inline">49 Wethersfield Avenue</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; DISPLAY: inline">Hartford, Connecticut&#160;&#160;06114-1102</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; DISPLAY: inline">_____</font></div>

<div style="TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 162.15pt"></font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;(860) 522-9100&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Fax No.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-VARIANT: small-caps; DISPLAY: inline">(860) 522-3379</font></div>
</div>
</div>
</div>

<br>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 216pt"></font>April 21, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Board of Directors</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">131-133 Delaware Street</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Walton, New York&#160;&#160;13856</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>RE:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Norwood Financial/Delaware Bancshares Merger</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Dear Board Members:</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have acted as special counsel to<font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font>Delaware Bancshares, Inc., a New York corporation (&#8220;DBI&#8221;) and The National Bank of Delaware County (&#8220;NBDC&#8221;), in connection with the planned merger (the &#8220;Merger&#8221;) of DBI with and into Norwood Financial Corp., a Pennsylvania corporation (&#8220;Norwood&#8221;) pursuant to the Agreement and Plan of Merger (the &#8220;Agreement&#8221;) by and among Norwood, Wayne Bank (the &#8220;Bank&#8221;), DBI, and NBDC, dated as of March 10, 2016,<font style="FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font>as described in the proxy statement and other proxy solicitation materials of DBI, and the prospectus of Norwood constituting a part thereof (the &#8220;Proxy Statement-Prospectus&#8221;), which is part of the registration statement on Form S-4 to be filed by Norwood on or about the date hereof (the &#8220;Registration Statement&#8221;) in connection with the Merger.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In connection with the opinions expressed below, we have examined and relied upon originals, or copies certified or otherwise identified to our satisfaction, and of such corporate records of DBI and NBDC as we have deemed appropriate.&#160;&#160;We have also relied, without independent verification, upon certain representations made by Norwood and DBI.&#160;&#160;We have assumed that such representations are true, complete and correct and will remain true, complete and correct at all times and that Norwood, the Bank, DBI and NBDC will act in accordance with the descriptions set forth in the Registration Statement.&#160;&#160;In addition, we have made such investigations of law as we have deemed appropriate to form a basis for the opinions expressed below.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In rendering this opinion, we have considered the applicable provisions of the Internal Revenue Code of 1986, as amended (the &#8220;Code&#8221;), Treasury Regulations promulgated thereunder, interpretive rulings of the Internal Revenue Service (the &#8220;IRS&#8221;), pertinent judicial authorities and such other authorities as we have considered relevant as of the date hereof (hereinafter, collectively referred to as &#8220;Current Law&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We have made no independent investigation as to the accuracy or completeness of any representation, warranty, data or other factual information, written or oral, set forth herein, made or furnished in connection with the Agreement or the transactions contemplated thereby or in any </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Board of Directors</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Delaware Bancshares, Inc.</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">April 21, 2016</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Page 2</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">of the other documents referred to therein. The opinions expressed herein are limited to the federal income tax laws and regulations applicable to the Merger, and we do not opine on any other federal law or the laws of any other applicable jurisdiction.&#160;&#160;We have acted as special counsel solely in connection with the application of federal income tax laws and regulations laws applicable to the Merger and the Agreement and, consequently, there may exist matters of a legal nature concerning DBI and NBDC in connection with which we have not been consulted and have not represented DBI and NBDC.&#160;&#160;Our opinions below are limited to the matters expressly set forth in this opinion letter, and no opinion is to be implied or inferred beyond the matters stated.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In connection with the preparation of this opinion, we have examined and with your consent relied upon (without any independent investigation or review thereof) the following documents (including all exhibits and schedules thereto): (1) the Agreement; (2) a draft of the Form S-4 Registration Statement to be filed with the Securities and Exchange Commission (the &#8220;Registration Statement&#8221;) including the Joint Proxy Statement/Prospectus; (3) factual representations and certifications made to us by Norwood, the Bank, DBI and NBDC (the &#8220;Tax Certificates&#8221;); and (4) such other instruments and documents related to the formation, organization and operation of Norwood, the Bank, DBI and NBDC or to the consummation of the Merger and the transactions contemplated thereby as we have deemed necessary or appropriate.&#160;&#160;In addition, we have reviewed the form of opinion of counsel received by Norwood and the Bank from Jones Walker, LLP with respect to the tax consequences of the proposed transaction (the &#8220;Jones Walker Opinion&#8221;).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Assumptions and Representations</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In connection with rendering this opinion, we have assumed or obtained representations (and, with your consent, are relying thereon, without any independent investigation or review thereof, although we are not aware of any material facts or circumstances contrary to or inconsistent therewith) that:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All information contained in each of the documents we have examined and relied upon in connection with the preparation of this opinion is accurate and completely describes all material facts relevant to our opinion, all copies are accurate and all signatures are genuine.&#160;&#160;We have also assumed that there has been (or will be by the Effective Time, as defined in the Agreement, of the Merger) due execution and delivery of all documents where due execution and delivery are prerequisites to the effectiveness thereof.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All representations, warranties, and statements made or agreed to by Norwood, the Bank, DBI and NBDC and by their management, employees, officers, directors, and stockholders in connection with the Merger, including, but not limited to, (i) those set forth in the Agreement, (ii) those set forth in the Registration Statement, and (iii) those set forth in the Tax Certificates, are, or will be, true, complete and accurate at all relevant times.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Board of Directors</font></font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">April 21, 2016</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Page 3</font></div>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Merger will be consummated in accordance with the Agreement and as described in the Registration Statement (including satisfaction of all pre-closing covenants and conditions to the obligations of the parties without amendment or waiver thereof).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">4.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Jones Walker Opinion has been concurrently delivered and not withdrawn.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Opinion &#8211; U.S. Federal Income Tax Consequences</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Based upon and subject to the assumptions and qualifications set forth herein, we are of the opinion that:&#160;&#160;(i) the Merger will be treated for federal income tax purposes as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code and (ii) Norwood and DBI will each be a party to that reorganization within the meaning of Section 368(b) of the Code.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">In addition to the assumptions set forth above, this opinion is subject to the exceptions, limitations and qualifications set forth below:</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;This opinion represents and is based upon our best judgment regarding the application of relevant current provisions of the Code and interpretations of the foregoing as expressed in existing court decisions, administrative determinations (including the practices and procedures of the Internal Revenue Service (the &#8220;IRS&#8221;) in issuing private letter rulings, which are not binding on the IRS except with respect to the taxpayer that receives such a ruling) and published rulings and procedures all as of the date hereof.&#160;&#160;An opinion of counsel merely represents counsel&#8217;s best judgment with respect to the probable outcome on the merits and is not binding on the IRS or the courts.&#160;&#160;There can be no assurance that positions contrary to our opinions will not be taken by the IRS, or that a court considering the issues would not hold contrary to such opinions.&#160;&#160;Neither Norwood nor DBI has requested a ruling from the IRS (and we assume that no ruling will be sought) as to any of the federal income tax consequences addressed in this opinion.&#160;&#160;Furthermore, no assurance can be given that future legislative, judicial or administrative changes, on either a prospective or retroactive basis, would not adversely affect the accuracy of the opinions expressed herein.&#160;&#160;Nevertheless, we undertake no responsibility to advise you of any new developments in the law or in the application or interpretation of the federal income tax laws after the Effective Time.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;This letter addresses only the specific tax opinions set forth above.&#160;&#160;This letter does not address any other federal, state, local or foreign tax consequences that may result from the Merger or any other transaction (including any transaction undertaken in connection with the Merger).</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Our opinions set forth herein are based upon the description of the contemplated transactions as set forth in the Agreement and the Registration Statement.&#160;&#160;If the actual facts relating to any aspect of the transactions differ from this description in any material respect, our opinions may become inapplicable.&#160;&#160;No opinion is expressed as to any transaction other than </font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">The Board of Directors</font></font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Delaware Bancshares, Inc.</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">April 21, 2016</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Page 4</font></div>
</div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font></div>

<div style="TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">those set forth in the Agreement and the Registration Statement or to any transaction whatsoever, including the Merger, if all the transactions described in the Agreement and the Registration Statement are not consummated in accordance with the terms of the Agreement and the Registration Statement and without waiver or breach of any material provision thereof or if all of the representations, warranties, statements and assumptions upon which we relied are not true and accurate at all relevant times.&#160;&#160;In the event any one of the statements, representations, warranties or assumptions upon which we have relied to issue this opinion is incorrect, our opinion might be adversely affected and may not be relied upon.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This opinion is based on Current Law.&#160;&#160;It is possible that Congress could enact new law, or that Department of the Treasury or the IRS or other authorities could issue interpretive rulings or regulations, after the date hereof which would be inconsistent with the opinion expressed herein.&#160;&#160;It is possible that courts of competent jurisdiction could issue decisions after the date hereof which would be inconsistent with the opinion expressed herein.&#160;&#160;Any changes in law could have retroactive effect.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">This opinion is given as of the date hereof, is expressly limited to the facts existing as of such date, and we assume no obligation to advise you of changes that may hereafter be brought to our attention.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 36pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We hereby consent to the filing of this opinion with the Securities and Exchange Commission as an exhibit to the Registration Statement and&#160;the references therein&#160;to us.&#160;&#160;In giving this consent, we do not hereby admit that we are within the category of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended, or the rules and regulations of the Securities and Exchange Commission thereunder.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 252pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Very truly yours,</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 252pt"></font>/s/ <font style="FONT-SIZE: 10pt; DISPLAY: inline">Cranmore, FitzGerald &amp; Meaney</font></font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 252pt"></font>CRANMORE, FITZGERALD &amp; MEANEY</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify">&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;</font>

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>5
<FILENAME>ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1 - CONSENT OF S.R. SNODGRASS, P.C.
<TEXT>
<html>
<head>
    <title>ex23-1.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<div><img src="snodgrasslogo-1.jpg" alt=""></div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div style="TEXT-ALIGN: center"><font style="TEXT-DECORATION: underline">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></div>

<div style="TEXT-ALIGN: center">&#160;</div>

<div style="TEXT-ALIGN: center">&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>We consent to the incorporation by reference in the Registration Statement on Form S-4 of Norwood Financial Corp. of our report dated March 15, 2016, relating to our audits of the consolidated financial statements and the effectiveness of internal control over financial reporting, which appears in the Annual Report on Form 10-K of Norwood Financial Corp. for the year ended December 31, 2015.</div>

<div>&#160;</div>

<div>We also consent to the reference to our firm under the caption "Experts" in the Prospectus, which is part of this Registration Statement.</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div><img src="snodgrass-signw.jpg" alt=""></div>

<div>&#160;</div>

<div>Wexford, Pennsylvania</div>

<div>April 21, 2016</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>6
<FILENAME>ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2 - CONSENT OF DANNIBLE & MCKEE, LLP
<TEXT>
<html>
<head>
    <title>ex23-2.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<div>&#160;</div>

<div><img src="danible-logo.jpg" alt=""></div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div><br>
<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; DISPLAY: inline"><font style="TEXT-DECORATION: underline; DISPLAY: inline">Consent of Independent Public Accounting Firm</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">April 20, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Board of Directors and Shareholders</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;Delaware Bancshares, Inc.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>We hereby consent to the use in the Prospectus constituting a part of this Proxy Statement of our report dated April 6, 2016, relating to the consolidated financial statements of Delaware Bancshares, Inc. and its subsidiary, which is contained in that Prospectus.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>We also consent to the reference to us under the caption &#8220;Experts&#8221; in the Prospectus.</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font size="3">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font size="3">&#160;</font></div>

<div style="TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font size="3"><img src="dm-signature.jpg" alt=""></font><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Dannible &amp; McKee, LLP</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">Syracuse, New York</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font size="3">&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="right"><font size="3">&#160;</font></div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>7
<FILENAME>ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1 - CONSENT OF SANDLER O'NEILL & PARTNERS, L.P.
<TEXT>
<html>
<head>
    <title>ex99-1.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<div>&#160;</div>

<div>&#160;</div>

<div>
<div style="DISPLAY: block; TEXT-INDENT: 0pt"><img src="sandleroneill.jpg" alt=""><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><font style="FONT-WEIGHT: bold; DISPLAY: inline">CONSENT OF SANDLER O&#8217;NEILL &amp; PARTNERS, L.P.</font></font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160;&#160;&#160;&#160;&#160;</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">We hereby consent to the inclusion of our opinion letter to the Board of Directors of Delaware Bancshares, Inc. (the &#8220;Company&#8221;) as an Annex to the Proxy Statement/Prospectus relating to the proposed merger of the Company with Norwood Financial Corp. contained in the Registration Statement on Form S-4, as filed with the Securities and Exchange Commission, and to references to such opinion and the quotation or summarization of such opinion in such Proxy Statement/Prospectus and Registration Statement.&#160;&#160;In giving such consent, we do not admit that we come within the category of persons whose consent is required under Section&#160;7 of the Securities Act of 1933, as amended (the &#8220;Act&#8221;), or the rules and regulations of the Securities and Exchange Commission thereunder (the &#8220;Regulations&#8221;), nor do we admit that we are experts with respect to any part of such Proxy Statement/Prospectus and Registration Statement within the meaning of the term &#8220;experts&#8221; as used in the Act or the Regulations.</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><img src="sandleroneillsig.jpg" alt=""></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>
&#160;</div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">New York, New York</font></div>

<div style="MARGIN-LEFT: 0pt; DISPLAY: block; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt" align="justify"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">April 21, 2016</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline"><img src="sandleroneillfooter.jpg" alt="">&#160;</font></div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>

<div style="DISPLAY: block; TEXT-INDENT: 0pt">
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>8
<FILENAME>ex99-2.htm
<DESCRIPTION>EXHIBIT 99.2 - FORM OF PROXY CARD
<TEXT>
<html>
<head>
    <title>ex99-2.htm</title>
    <!--Licensed to: roy2011-->
    <!--Document Created using EDGARizer 2020 5.5.2.0-->
    <!--Copyright 1995 - 2015 Summit Financial Printing. All rights reserved.-->
</head>
<body bgcolor="#ffffff" style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">
<div><img src="specialp1.jpg" alt=""></div>

<div><img src="specialp2.jpg" alt=""></div>

<div>&#160;</div>

<div>&#160;</div>

<div>&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>

<div id="PN" style="WIDTH: 100%; PAGE-BREAK-AFTER: always">
<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; DISPLAY: inline">&#160; </font></div>
</div>
</div>

<div>&#160;</div>

<div><img src="delpc-p3.jpg" alt="">

<div>
<hr style="COLOR: black" align="left" noshade size="2" width="100%">
</div>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>sandleroneill.jpg
<TEXT>
begin 644 sandleroneill.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
M      !@     0   &     !4&%I;G0N3D54('8U+C P /_; $,  @(" @(!
M @(" @," @,#!@0# P,#!P4%! 8(!PD(" <(" D*#0L)"@P*" @+#PL,#0X.
M#PX)"Q 1$ X1#0X.#O_; $,! @,# P,#!P0$!PX)" D.#@X.#@X.#@X.#@X.
M#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#O_  !$( )4
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M(9.669.<#D ]/_8WU35?A)\=_BI^QSXFO)=4;P9,=:\':G-\IN]*N2DA3;M
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M^Z;@KVX)[ 'Z9:OKOA#Q/_P36\4>(O -K#9^#=2\!7]UI$,%D+5%A>TE88B
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MJNCZI9V-Q'H_VI(9X_M3*NTOAE^0MU YQVKVCX7_ !,\*?%[X%^'_B%X+O\
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MAX9^#?[/WAKX;^$(I5T/1K8QQRW#!IKAV8O)-(0 "[NS,< #G     !\A?\
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MX_\ A7K_ (+\6::FK>'-9LGL[^UDR-\;C&01RK X96&&5@&!! ->':U^R/\
M WQ-^S=X7^%?B7PO=>(/"_ALR'0'OM7N7O-.$ARR17 <2!/NCRR2F$0;<*N
M#YR_9J7Q)\$O^"EOC/\ 99TSQQ>?$?X66GA(:]I*W\HEN/#+^<D?V1F' 4B3
M)087YHV"J3)G])J\6^#O[/OPE^ ^A7UC\,O",.A27Q!O[Z2:2XN[K;G:'ED)
M;:,G" A023C))/M- !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 F[FEI,<TM !1110 4444 %%%% !1110 4444 %%%% !1110 4
:444 %%%% !1110 4444 %%%% !1110!__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>sandleroneillsig.jpg
<TEXT>
begin 644 sandleroneillsig.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M"GX4^"O$3^(/"%OJ=WXAUN6VM)HX-2%I'#!I\4<S($N(GO[^W<M$74B(C.<
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M 3VKNFO[./1&U*:X2WL5@\]YYSY:QQ[=Q9BV-H Y.<8[T 7**^??@_\ M(>
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MJ_-C]B]O#FL?MAW6H_$93IMMHVEZG<? !=54VTM_H^H:Q?S7EY:(V"[D>0J
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M\8OV./B%\(6U:UTW4?%6B3V>ER3RA%CNL;H9,<EE29(W90,D @$5F^//V:/
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M]I#5+_5;GQIX<M].:TB2\NI9(4GN;V;$%K$UO';CS!E<C@,3SV?[-UI^T?\
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MA^(WQV^,EDGA[Q)JD/\ PC_A/PO;WR746BZ-#-Y@+21NR/+<.J2MCH5[;MB
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MN[ORT">;-)@;Y&V[F; RQ)P,UK4 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
>444 %%%% !1110 4444 %%%% !1110 4444 ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>sandleroneillfooter.jpg
<TEXT>
begin 644 sandleroneillfooter.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M&P)4)$JAB%!H ^D,BC(KQ;X#W@U[X"CQYMD \::M>>(;=I8O+9K2XF;["2I
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M"2%W=< DG'3)-6** $VBDVKZ4ZB@!-HHVCTI:* &[5]*=BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH .U>+_ !&^!O@GXI?$
M[PEXE\5PS77]B6UW;2:>CXM]2BN(]@2X7^-8V)D0?PO\U>T44 ?/(_9M\!R?
MLX>"_AO?3ZE?V?A_78M<?4Y;MOMFIWN]VNYKEQS)]J6>YCE!X*3NHP,8M0?L
M\>!;/X-_$[P7I\NI:=8^-=6N-4N+JWO"MQIES(5>%[-ND(MY$22%0-J,HP.U
M>^44 ?/OAO\ 9Y\+>"?%WBKQ#X+UK5O#NO:IX7L] TZ[$D=R-%CMH%A66WBF
M1H]\@BMC)O5E<V\9(SN)L:I\#8=6^+/BCQA<?$+Q);ZIK'A.Y\.^98QV-I-:
MQ3JH$JS0VR22/"RF2'S6?RWEE(X<*OO5% 'SKX'_ &;?!_@2[\'SZ?K6KW)\
M.>);[Q!I]N8K*VMEN;VSEM)T\J"VC"Q;9W947!#8^8C*F,?LW^'X?A[9^']+
M\:>)_#ZQ^&;KP[>76G269>_L9Y7DV2K/;2H&1I9"KHJ,-S9)!Q7T=10!X+K'
M[/?@C6/".IZ3)>ZK;?:;W3;VVNHY())+"?3[9+:!XUEA>)\QQX=)DD1M[97!
M '4^&/A;I/AG7O!^J+K&HZKJ7AW1=3TJVFN8;2!;B/4+JUNIGDBMH(HPZO9Q
M!/+1%"E\JQ(8>HT4 >)Z;\#]!TWQSI>H'Q-X@OO#^E:Y<:WH_A6ZGMCIFGWT
MYF9YD*P"X<!KF9DCEG>-"PVHNQ-M:/\ 9]\!_P#"M-!\)WDVJZCHNE> X_!L
M*37BH\EDGD%96>-%(G!MHSO3:N<_+TQ[K10!XW8_!^U3Q?X+\0>(/'7BGQIK
M7A?6)]2TR[UB>S!S-836+0LEO;1)Y8CG=AM57+@,SMR"_P +?!O0?!=CI$/A
MS7M<T]M/\-:!X=643P,\UEHTL\D$;YBQF474J3%0-RD!/+/)]AHH \'C_9_\
M(KX=\6>'9->\2W'@?78YA_PB[ZL%L=-DEN!<M-:,J">%Q-EU_>E4SA54  /T
M_P#9_P#!-KKBZUJ6H:]XF\2?VYI^K2ZSK&J&6ZFDT]9%M(VVJJ"*/SICL51D
MR,223FO=:* /-]&^%_AG0O$>CZI8_:_M6F7^M7MMYDX9?,U:\:\N]PQR/-8[
M!_"O'/6O2*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
7 "BBB@ HHHH **** "BBB@ HHHH _]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>joneswalker-logo.jpg
<TEXT>
begin 644 joneswalker-logo.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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MG;?J_D?O)YB^H_.GJVY<BOB+QA^PM^SWJ/@:^AT_1-6T#4F@>.UU"+Q9J#-
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MQ[P,,,,0>0"#^U&K:QIOA_PEJ6N:UJ$&EZ186[W-[>74RQ0V\2+N:1V8@*H
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MW<_:.55DCVL-W/I4#0Q,"-OXC@U^:'QZ_:2_:R^ NF>%[CQ%X,^&VN?V_?\
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MXKUW?Z'$?$;P!%\1_A3J7A&X\4:[X3M+]?+N;WP[=I;W;1GAHQ(Z/M5@2#@
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M[:Z''I=K\)_!MOIL>J#5([2+PQ9K"MZ'$@N@@CP)MX#>9C=D YS7QM</=?\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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ME:OI3S26_B^\M);&3[)*MTTMI#I<T4* N4\Q;AU 55 42-7>?&'_ (:,\0?
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !7S_XL^.U]X;^,GB7P;IOP4\<^-)-!TRVU+4=5TB^\/V]E
M';W'FB-]U]JEN_6WF!R@QL]"I/T!7RKJ7P%L_'7[>?BSQY\4OA-\.O%GA-M
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M\9C+12('1BK %<JP." 17G-W\8-,/PTU;Q1X;\)^(_'%GIVJW%C<P:);6_G
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MVT'E2,TCWDPE5SRJA$*#"EG^]7JE#27]?U_75DIMK56"BBBI*"BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
C "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH _]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>delpc-p3.jpg
<TEXT>
begin 644 delpc-p3.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
M A$#$0 _ /W\HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M'+U'_&C_ (8M\=?]&7?#W_PY>H_XU^XU% 7/PY_X8M\=?]&7?#W_ ,.7J/\
MC1_PQ;XZ_P"C+OA[_P"'+U'_ !K]QJ* N?AS_P ,6^.O^C+OA[_X<O4?\:/^
M&+?'7_1EWP]_\.7J/^-?N-10%S\.?^&+?'7_ $9=\/?_  Y>H_XT?\,6^.O^
MC+OA[_X<O4?\:_<:B@+GX<_\,6^.O^C+OA[_ .'+U'_&C_ABWQU_T9=\/?\
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MUS1110(**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ K\1?VD?^2[?M1_]CGX0_\ 1@K]NJ_$7]I'_DNW
M[4?_ &.?A#_T8*"EN?MU11102%%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M .'B/[(?_16(_P#P3WG_ ,:H_P"'B/[(?_16(_\ P3WG_P :H"S/MBBOB?\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M)/R'CVK:HH^RH]-?Q;;^]M_>#=W?T_!)+\$ON.=G\(^$[JXTF:Y\+Z3<3:4
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MLS2459!1114E!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4451O-4TW3I;6/4+Z"S>X<I LTH0R, 6(7/7 !/T%
M%ZBL^WU;2[O3Y;RUU*UNK6//F317"NB8ZY8' J'_ (2#03I]M=_VU8?9;B3R
M[>;[8FR5_P"ZK9PQ]AS0!K45 UU:K<20M<1+,D?F.AD 95_O$=A[U5M]8TFZ
MTV:\M=4M+BSA_P!;/%<HT<>/[S X'XT :-%46U334U*WLWU"V6\N$WV\!G42
M2KZJN<L/<46>I:;J$EPEAJ%M?/;R>7.MO.LAB;^ZV#P?8T 7J*S;S6-)L+&Y
MN;W4K:UM[=PEQ)),H6)FQ@-SP3D=?6M$$,H93E2."* %HHHH **** "BBB@
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M%\)YVT']JKXC>(K/POK?_"(ZE8V5I'-%X)O=*:WN1<2CR6AD0&X(60,]R!M
M4 G!%?:%%:.;<W+NV_O27Y+[]=FT^:-+DARIO:*_\!;?YO[M.B9\#0W6@VUC
M^USI5KX?\0Z1IMY=0WMA/K/AN_L[2Z9;*"&1XY[F)8Y#]H5N%8D@;ER,&OM_
MPV+Y?A]H:ZDT,FH"PA^TM;H5C+[!NV@DD#/J35W4--T_5M,:RU2PMM2LV8,T
M%U LL;%3D$JP(R" 1[U=Z# X Z"LUI&WE%?^ JW]>ATR;DUY7_&W^7XA1110
M2%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
L% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>del-auditorsltrhd.jpg
<TEXT>
begin 644 del-auditorsltrhd.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M5[?B<4*V[I@KZ@YH =1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MM3CAE:%1'!%)Y3)YX <^:9 1(W[I"2N>A_:E7_GU2_\ !<?\@_LFE_S^J_\
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M )!_8]/_ )_U?_!DO\SX?_X07]NS_HMG@/\ \)__ .YZ/^$%_;L_Z+9X#_\
M"?\ _N>ON"BC^V*O_/FE_P""X_Y!_8]/_G_5_P#!DO\ ,^'_ /A!?V[/^BV>
M _\ PG__ +GH_P"$%_;L_P"BV> __"?_ /N>ON"BC^V*O_/FE_X+C_D']CT_
M^?\ 5_\ !DO\SX?_ .$%_;L_Z+9X#_\ "?\ _N>C_A!?V[/^BV> _P#PG_\
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M+VYC,PT2_1K2*""*;,UBP$PD?S1C:Q3:"P;M3_M:M_SXI?\ @N/^0O[*H_\
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MZVWN+Z_^,>BR:#XOUCQ!=3745]J@)"6&EZ>UKN6WDA4!?,E)5E#9E&_<3M4
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M_P!JU&OX-+_P7'_(/[)I?\_JO_@R7^9Y]_P@_P"W9OP/C9X";GG_ (D'(_\
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MV=PACG@FC#QR(PPRLIX((R,&KE%9[%M)[GG8^$?PMY+?#7PJ6)S_ ,B_;?\
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M5\1K'39+'Q!:>"_L>C>&X]+F3[%9PCS8XY&,2K)*TI7Y$)5  JY^9C[QX/\
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D% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>delauditorsfooter.jpg
<TEXT>
begin 644 delauditorsfooter.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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MB>(/"6K:5I-KHNFW%M/!IMUXBTZ66597OM9N-)M+FQB92"N;>2=B[, $ 7S
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M\N500LBY7A@&;##D;CZU<AT/1[>%8X=,M88T,914MT4+Y9S'C XVDY7T/3%
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4S)?+C"[VP!N.!R< #)[ 58H _]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>delauditorssig.jpg
<TEXT>
begin 644 delauditorssig.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M1PP*V;9 R-WZ@5^(_P 3H/\ A)/^":WQJ_:9OYI+>\^)GCWPWI?A1[B;#?\
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MAGX)_M5_MK27R:KXB_:(\77FDZ+X$\):9I=P9[VP&D(MC-$^)(A$+F:\,LG
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MT44 8GB::2W^''B"XABFGFBTV=TCMQF5R(V("<CYB>G(YKX4_9$^#^E^.O\
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M2-\2_#OPUH?]GZ+J.JZ#HT=MI<*QI9V\FL6:NV. H"[AN[%LY'6@#[CK\_\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
0* "BBB@ HHHH **** /_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>delauditorsfoot-p2.jpg
<TEXT>
begin 644 delauditorsfoot-p2.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
M      !@     0   &     !4&%I;G0N3D54('8U+C P /_; $,  @(" @(!
M @(" @," @,#!@0# P,#!P4%! 8(!PD(" <(" D*#0L)"@P*" @+#PL,#0X.
M#PX)"Q 1$ X1#0X.#O_; $,! @,# P,#!P0$!PX)" D.#@X.#@X.#@X.#@X.
M#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#@X.#O_  !$( #$"
MU ,!(@ "$0$#$0'_Q  ?   !!0$! 0$! 0           0(#! 4&!P@)"@O_
MQ "U$  " 0,# @0#!04$!    7T! @, !!$%$B$Q008346$'(G$4,H&1H0@C
M0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I*C0U-C<X.3I#1$5&1TA)2E-45597
M6%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJ
MLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X
M^?K_Q  ? 0 # 0$! 0$! 0$!         0(#! 4&!P@)"@O_Q "U$0 " 0($
M! ,$!P4$!  ! G<  0(#$00%(3$&$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B
M<M$*%B0TX27Q%Q@9&B8G*"DJ-38W.#DZ0T1%1D=(24I35%565UA96F-D969G
M:&EJ<W1U=G=X>7J"@X2%AH>(B8J2DY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>X
MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M59,*"?PK^<G]J5&/_!0CXM3;0_\ Q/G4Y/)^2,#\J_HUD^9".XYK^<K]J0$_
M\%"/BWA@&&O.5W'@81#G'K7Z9P5S?7:JZ\FGX'Y-QV[8"CVYW<L^/OV>->\&
M_LC^ ?C'#J4&K>&?$EK;?:XQ"8IK-YP648S\Z\=>#7GFN?%#QQXF^"OAWX?Z
M_K<FI^'-&OVO-+2Y;S'B9TV[0Q^8H.<*3@;S7TIK/[1W@'Q=^PCX%^"WBC0?
M$-C8^'X;3[3>Z5?0@W#P*0,[T/RG/2ODWQ0OAF/Q3%'X3M]5M]%$"'9JTBM/
MNQR?E4#;C&.!QBOT_+OK51/Z_#WHMN+LO1?@S\FS+ZK1<?[/G:$XI25WOU6I
MTGPC^)NM?"'XZZ7XZ\-Q))=6D$L#6[_=GBE3:RL.X#,K8]5![5YS-(UUJ4UQ
M,=TTKEY&/)9CR3^=:&HZ3JFCMIG]I69M/MM@E]:[NDT+YQ(OMD,/J".QKLO#
MFB^%K'1+?6?B)8Z]'H^J!ET>71IX8_.:)MLI?S%;< VP?7(KV6J,)^VY+S=K
MZ+6VRWZ7/$4J]2"HN=HJ]M797WZ=;'Z]? #7H_&7_!*7X4P7ZI>FS\2:?I$\
M<BAE=(M3C5%8'J/)*#'3FO>/'Z^'?AIK&A>(/"^G6^EZL%O'GL=/C$8O8$LY
MI/WD:?>Q(L0#8+!F4#[Q!^8/V0X?#/BK]B'QEX2^'MG-<1V?B=)A#XO83H'D
MCAEW 0A, ;<KCH0>:^C-/\ ?%+2IYIM/TWX?6TTA5GE&EW9;*D,IR9^<$ _A
M7\U9I3C3S*M%KE]YNWKJ?U/E-24\KH2C[WNI73TTT(;?XF>.+KP;I-KI\EOJ
M?C"U\3/8:E!+9-;+?0K9SW@"(X#1LZ1JJMC ()YZ5:M_BMKDOC2/5XIHKCP&
M+ 7%XQAVS6PDOKJWCF8DX"HMO&)%QD;V;JIJ^WA?XQ/XFCUB2'P#)JJ$,MV=
M)NA)\JL@Y\_LDDB_1JA3PE\7(H;X+;^ -MY$\=XHT:ZQ.CL\CJW[_HS22$_[
MQKRN6'<]GFJ]C/TCXE>,-5U;P[;[;N\6\T+3[R9='M[?S?,FM'FD8><VW865
M<8Y Z5TO@KQ]KVN:!J]QJ4T9N+/PK:W\B0PA3'=-)>)*A&3DC[,O XSFN6F^
M''Q*GL+6WFTGX>F.WMXX80-(N@(XXD,<:#]_]U4+*!Z-4G_"N?B8+^SNETWX
M>+<6MNEK;$:5=@10H25CXG&0"S=?[QI\M/N+GJ_RGI'PWU[Q%XB\(Z;J&N6>
MKVLEUI<$S2W:6BP,\BAF\L0G>,=MU9&B^/\ 4+C]I#5/"^J,;/3I?-31A)'G
M[<8B?->,J/E6/RY$<N?O%-N 0*Y;0_ OQ6\-S^9H=OX$T^00>2OEZ=>85>-H
MP9_:HX_ /Q4C\6GQ MGX 76Q*TGVLZ7>%E+<L4_TCY<G)..I)J'"%_B-%4J6
M^$UO$7B"#PK^US=>(=2D:'1U\.V-EJ$KMA+=99;Z1'/;_601QY]9OI7':'J6
MMZ'\2_$6J22-;^(/%4N@M?23C*V!NFND"!6.,HD<40'0OM/.374ZKX1^+FM"
M^75;7P!J$=] EO=K-I%TPECC9I(U.9^0KLQ ]3FB^\+?&#4AJBWUKX!NC?QQ
MQW>_2[O]Z(B2F3Y_)7=P>V*I*'<GGJ?RD?B*X\57GQ+\%VGA_7=*U#7HI]7M
M_MLT)$5N1&F/,1#AI$)52H(&6)Q1#XHU73],\%6.DZ?JO]H:IJM]'X@M4:":
M^6ZBB+L2TQ"%=RJ01CY#'M 7BG6/A/XO:7%I:Z?:^ ;5;!7%D5TR[S"9/]81
M^_\ XN]0ZIX'^*NM7"S:K8^ ;R87'G^8VFW>X/Y8CW?Z_P#N@+^%'+"^X<U3
M^4Z9O%7B=?C!I&@BSULV;:'%>7$8ALS/'(URT9\\EMNW:O\ RSSU[5VWB+6[
M[3?&O@:PLY%^SZIJTMK=;U!)5;*>9<<_WHUR17BLGPX^)3-9R/I_@&1K&(16
MCG3+W<L8)<#_ (^/[S&IC\/_ (KS^%M-T6^A\"ZA8V5P]U!]HT^\9HY7=RS+
M^_XR)''T-)PI_P Q7M)_RGH!\7ZT?A1\5-6W1F^T"ZU&/3ML7&((!)&&'?DC
M/K6SX#U;7M8L[FZU6"_CM&MK=H'U&"&)VE(?S=HB./+'[O&>>37D$?PV^),5
MY/=1Z;X ^T7"LEP1IMZ/,#1B,_\ +Q_=R*Z^"S^/-M;K##<^!XXU 5$&GW>%
M & /]?Z 5#A'HQJI/K$]QHKQ3R_C[_S^>"/_  7W?_Q^E\OX^_\ /WX'_P#
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MX\$?^ 5W_P#'Z.3S#VC['M5%>*^7\?/^?CP1_P" 5W_\?H\OX^?\_'@C_P
MKO\ ^/T<GF'M'V/:J*\5\OX^?\_'@C_P"N__ (_1Y?Q\_P"?CP1_X!7?_P ?
MHY/,/:/L>U45XKY?Q\_Y^/!'_@%=_P#Q^CR_CY_S\>"/_ *[_P#C]')YA[1]
MCVJBO%?+^/G_ #\>"/\ P"N__C]'E_'S_GX\$?\ @%=__'Z.3S#VC['M5%>*
M^7\?/^?CP1_X!7?_ ,?H\OX^?\_'@C_P"N__ (_1R>8>T?8]JHKQ7R_CY_S\
M>"/_  "N_P#X_1Y?Q\_Y^/!'_@%=_P#Q^CD\P]H^Q[517BOE_'S_ )^/!'_@
M%=__ !^C9\?/^?CP/_X!7G_QZER+N'M'V/:J*\2V_M 9_P"/CP/_ . -W_\
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M)(C=EIU1AWPV15CQ)^R+\!_%_C:^\1:[X'BN-4NRIG=+AXU.U B@*#@ *JC
M]*^G**ZOK^.YN;VLK^K.)97EZ37LHVO?9'S7XB_91^!WBJS\/VNN>#4NHM$T
MM-+TX>>ZF*V3.U,@\X+-R>>:;K7[*OP3\0>#?"^AZIX.CN--\.VTMKI,(GD7
M[/'*VY^A^8EN<FOI:BA8[&JW[V6GFREEF7I_P8_<CR3X8_!WX?\ PAL-4M/
M.A?V';ZE,DMXBR.XD=!M4_,3C"Y%>M8]S2T5QU*DZM1U)MMO=MW.^E3A1IJ$
M$DET6B^X3'N:,>YI:*S-@HHHH *3'N:6B@!,>YHQ[FEHH 3'N:,?6EHH ***
M* $Q[FEQ110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!'CGO1@^]244[
MAJ1X/O1@^]244[AJ1X/O3E'-.HI7#4****0!1110 4WOW_"G44;@-_.C\Z=1
M4V0:C?SH_.G4460:C?SH_.G4460:C?SH_.G4460:C?SH_.G4460:C?SH_.G4
M460:C?SH_.G4460:D>#[T8/O4E%:7#4CP?>G+UIU%*X:A1112 **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
##__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>snodgrasslogo-1.jpg
<TEXT>
begin 644 snodgrasslogo-1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  24DJ  @    $ !H!!0 !
M    /@   !L!!0 !    1@   "@! P !     @   #$! @ 0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
M A$#$0 _ /3J0T'BN)^)'B.;2;..QLWVW%R/F8=56@#<U7Q5H^DOY=Y>(L@Z
MHOS&LE?B3X>9L>=*H]3$:\PM]/1T\V[)>1_F.2<_C5E[2T5/WD:JO;GF@#UW
M3O%6B:DZI:ZA$78X",<,?PK9_H:^?M.6.T\16<D4J^7YHYSTKWY6W*&4@J1V
MYS0!)115#4]6M-,C#74H4N<(HY9C["@"_16 WB.54\TZ/?"$#)<QGI5G1_$.
MGZRSI9RL9$^^C+@K0!K4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 5KR\M[*(RW<R0Q_WG.!7C?Q"U2TU'Q*L
MUG<+/"L:J2IXX/2NT^+"%O#D3=EF&:\K-L&MQC&X=\4 ;J2*8Q*#E=O6N?ED
MDO;ELL=N>E,2:XMU9 2%]*;;S>4Y.,YH L_8HP!RU=?X"\2W.FZC'I=[,6M)
MO]7N.=A]JY6&=)&PIP?>HY_W7E.AP48%3W'- 'T2S;59B.@S7G_AF]BU/QMJ
M%S?,K2@;+=7_ (0"1\HKMM-F:XTJTG<[FD@1B?4D#->?^*?"E_9ZC)JFD&1D
M)W@1G#1GOCVH ]*P>._O7,26MIH/BB747DB@M[N'#EB!\X/^!KF=,\?W]D5A
MU: 3;0 2!M?\?6NWL]7L-;TN2:T=9!L.Z-NJG'<4 6M/U:PU$NME=PS%,9".
M#BKCN$3<2,#OVKRP6-UHEG9>(M+=RC;EFBYV_?/;W _2O1=&U2WU?3TN[9@0
M1AA_=/<4 0MXDTA796OH05.,$\U<.H6BV@NFN(Q ?^6A;BL'73;6GB*PNIT0
M+';SN3C&2-F/YUF>'X)/%M_+JNJ@M9P-LM[;)V?4CH: .A_X2G226V3,ZKU=
M4)7\ZMV&L6&H'%K<QNW]S.&_*K:1)&JI$H1%Z*O 'X5SOBCP_%<VLFH67^CZ
MA -RS1##,!V.* -.]U_2K&1H[J]AC=>JEAFH8O$VF3)OB>1T_O+&2/SKA-2U
M./5_!DCS0PK>PSJLC*H!;@\^O:N_\,<^'+'G_ED* '6FO:;>3>3!<H93T1N#
M6EN].:R=;\/V&KVK1S0JLO5)4&UU/KD<USOA;7;BTU"XT36)MQMPQCD;J0O/
M\L_E0!VTDBQH7<@*.22< 5DR>)M+1MJS^;@\F)2P_2N<L)9O&>M3&XD==*M2
M,0JQ D/8-ZCC-=M!:PVT?EV\:11@8"(H4#\J ,VU\3:3=7 @2Z596. KC:2:
M=)XCTB*1HY;^W0KG[S@5!XB\.Q:O'$\8CBNHI ZR[1GCM6!\38U72;,X 82@
M%NF>* .F_P"$DT<#<;^ (.K;^*OVMY;WD7FVLT<L?]Y&R*JZ?#%)I%O%)&C1
MM& 5*@CI7%>'S)I_CZ>PLYF:U9FWINR%[T >B\X[9J"^O8+"V:>Y<)&" 2?<
MXJ8'.>.^*XCQ^UQJ*/IUH-R01&><#L!T_P : .X5@P!'(/.:1W5%+,0% R2>
ME<[X(U7^TO#\/F/NE@&QSGTZ&J?Q(N9K?0XTCW>7+*%D([CT_&@#9/B+3\,4
M=Y%7J40D"K6GZI9ZDC/9S+($.& ZBHM(O+&[LHVT]X_) &%0CY?8UAZ]I\FC
MZ?K&H:;B-[A!\J#&T]S0!MR:]81S-$)&D=?O>4I;'Y4NGZW8:A.T-M.ID49*
M$8;\JR_!-YITV@V\5DRB5% E&<,S=R?7-:,ND1OKT6JQLJR(A1^.6],_2@#4
M4DCFEI%^G6EH P?&>E'5_#=U;H,R!=Z#U(Z5XI Q \MSM=/E(/!XKZ((YKQW
MXDZ7;VWB:(VB"$W*;WQTW9(_I0!S<S*(VSBFZ79Q7$3M*N1G@YJ5-'D9OWLX
M*_6M.&)(8MD8PJCF@#"O;,VDJF-LJ_3/:M"PT#6=8:&2WL96A.,/CY2,]<U%
MK1_=P+C)ZXKV;P9;O:^$=.ADZ^7N^FYBW]: -.SA^R:?! Q&(8E7\@,T^"XB
MN8A- ZR1MT9?;K1=*3:RA1U1OSQ7'>!=8B@MWTB^_P!'N(9&*AN P)S0!T.K
M>'M-U>$K<VR;CR)4&U@?K7G$4%QX7\6&#S"5D!&?[ZD<9'YUZK<WMK;0-+//
M&J <G<*XF2%==\1MK-RHBL+2(Q0[^-YZY'YT =%X<ACN/"\,,JAXW\P,I'!R
M[5RC+<^"/$#,A9M,NSDKV7_ZXYKJO"%S!+H%LB2J74N"H/(^<G^1%7]6TVWU
M?3Y+2Y7<C=#W4^HH X[Q[*+R*SGM&WQO:RMP>J[H\UK_  [*_P#",1[>AD;^
ME<[H.GW=IXH&BZD2]NL,@B#?W3CI[<5IZ8MSX-OI;6Y5I-*G;='*!_JB>Q/Y
M4 =Q4<I41.6^Z%.:AAU"TGB\V.YB9?4,*YWQ'K_G1MI6C*;F\F^0E!E4'<F@
M#SMU9K?5'C!$>]?SW'^E>M^%_P#D6[#_ *Y"N&US2H-"\&?9I)4:\GG5Y<')
MXS79^%KNW?P[9[94!6/!!;H: -ICBO)/&89_%EQ]E_U@3)*]0,'=^E>@:SXD
ML["$K;L+FZ;A(H^236/X6\-SM<W.K:T@,]RI41'^%3U_'% !\,A$-&GV !O-
M^;^G]:[0UY[:PWG@O6)&:)I=+N3AB@SM/8_A7:VFIV-Y%YMO=1LI_P!H<4 8
MFO\ B2^T(B2YT^-H&;;&PDR2?<5SOCF[O;[0;66[MHX%>0-'AMV>#5_XD3QW
M5A;6=LXEG,N=J<D#!JIX[D3_ (1S3(-Z^8I&Y0>1\I% %W5[SQ!IGAJ.ZMY8
M#"(QN*)AU![YK3\'V.GK8KJ5LS3W%Q_K99#EL]Q6AIRVM_H<=NS))&\ 5U!S
MP17'^&+I_#?B&?1[]]EO,3Y3$X /;\Z /099$BB:60[40$L3Z=ZXW0=7M'%[
M>7D$[RWCDDB(D>7V&?3%:'B_4X/L,>FQ7*![YQ"[ _=0G#$_AFMZS2".V2.V
MV>4@"C9C&* /./"%ZFE>+)K,EDMKDE$#C! _AX_2O1;^RM]1M7M;R(21..1Z
M?0UP_P 1X(E>WU"WE47*-A@#SQT/YU=F\5*S:/>K+BW<XN%7L3QS0!1OO!&H
M:;(USH%](I4Y"!MK#\>]7_"WB&?59)]&UJ(-<(K*<K@OCKD5UJWELT(E$Z&,
MC.[<*\ZUAYSK5WXBT_<EO;/& ZI_K.@;^M &AJ?@%HYVNM#NC!)_"A)X]@>P
MIGA[Q'JMGJ\>CZ\&8R-L1WZ@_7N*[2RU"TOK6.>WE0QN 1\V"/:N7U6W37O%
MEE]B :.T.9YATX/W0?6@#LQWI::@ 4 >G>G4 (>,5YC\5M/O9-0M;VW@=XHX
M]I=><')->GTU@&^5AD'KGH: /GZ'5E"!;A"'7@G'6I&U6+!\I&=AT&,5[1=>
M&M$O&+7&EVS,>I";2?RI+7PQH=HX>#3+=6'0D;OYT >8^%_"E]K^H)?7ZO%9
MCG<1]_':O8HE5$5$ 55 "@=AVI54+@ 8 Z # %/H JWU[!86S3W+%(UZD#-<
M[=ZYX5O0'NTBE(_B>#G\ZZF0JJ$R8"CDDU26_M6=0$=A(< [.* .;AO_  ;"
MRO'!%N'3?"2!^!JW<>(/#%UM%R8Y53[BO%D#Z<5TP6/T7\A1MC)QM4X]A0!R
MT.N>%;>836Z0Q2>JP[3^E7!XQT3G_2F/U0UN8B/]T_@*7;'W"_D* .=/BCP\
MUPL[2AID&T2>6<@&GOXMT"1"CS%T/4&,D&M_;'Z*3]!2;8LG"I^0H Y!]0\%
MR2>8UM!N_P"O<#^E7+7Q)X;LT\NU9(4/7RXL9KHP(CP%4_0"B3RXXV=E&U1D
M\4 <L^M>$W=Y'B@9G.6)MP2?S%,_M3P=VMK?\+<?X5T,.H6<[Q*N,R9V9'7'
M6K86,C[J8SQP* .:M_$/ABUYMQ'&3W2  _RJR/&.B8_X^FQ_N&MS;%G&$S]!
M2[8^FU>/:@#";Q=H1^5KC..Q0UER:AX,F<LUI;DDY)%OC)]_6NPVQD9 7ZT!
M8S]U5(]A0!S%GKOA:TYMXXH".ZP;2*8VL>$6E,K0P,[=6-N"3^E=/<RV]M"T
MTVU47J<4\+&5#!5P1G.* .:M?$/ABS=C:". GJ4AQ3;K7?"MXX>[2&:0=&>
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@ !1110 4444 %%%% !1110 4444 %%%% !1110!__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>snodgrass-signw.jpg
<TEXT>
begin 644 snodgrass-signw.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  24DJ  @    $ !H!!0 !
M    /@   !L!!0 !    1@   "@! P !     @   #$! @ 0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M !1110 4444 %%%% !1110 @4 D@ $]3ZTM%% !1110 4444 %%%% !1110
MAS@X.#6?'-!;0F"Y!1R"&."=_OGO6C3)(HY0!(BOCIN&: ([(DV<);KM%3TB
MJ%4*HP , 4M !1110 4444 %1SPK<1&-R0I]#4E% "*H10JC  P!2T44 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
K %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% '_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>specialp1.jpg
<TEXT>
begin 644 specialp1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
M      !@     0   &     !4&%I;G0N3D54('8U+C P /_; $,  0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! ?_; $,! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! ?_  !$( E@#
M( ,!(@ "$0$#$0'_Q  ?   !!0$! 0$! 0           0(#! 4&!P@)"@O_
MQ "U$  " 0,# @0#!04$!    7T! @, !!$%$B$Q008346$'(G$4,H&1H0@C
M0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I*C0U-C<X.3I#1$5&1TA)2E-45597
M6%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJ
MLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7V-G:X>+CY.7FY^CIZO'R\_3U]O?X
M^?K_Q  ? 0 # 0$! 0$! 0$!         0(#! 4&!P@)"@O_Q "U$0 " 0($
M! ,$!P4$!  ! G<  0(#$00%(3$&$D%1!V%Q$R(R@0@40I&AL<$)(S-2\!5B
M<M$*%B0TX27Q%Q@9&B8G*"DJ-38W.#DZ0T1%1D=(24I35%565UA96F-D969G
M:&EJ<W1U=G=X>7J"@X2%AH>(B8J2DY25EI>8F9JBHZ2EIJ>HJ:JRL[2UMK>X
MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
M A$#$0 _ /[^**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH _F>_X+S2?#C0?B%^S[\0?B;^SQ^W382>$/#GBZ'X8_MU
M?\$_/$ULOQ?^#WC771/9R_#K6?"DEYX1\_2]9L%DU>RU"[^(&B,\4^K6^CI>
M+_PD-E)^(OB/XN?'CXX^#OV.+K]M;X?_ +2?Q_\ V/=&_P""DG@"Q^"%]^T%
M\']-TS]IOXS_  :TOP)JD'CW3/''@3P(^IGXG#19M(CDU6\@U3Q1K/B^=O$F
ME7&KZ_>RSVEK_H-U\N_M!_LD_#7]I/QQ^S;X_P#'FK>,].UK]EOXP6?QL^'D
M'A;4]&L--U/Q98Z;<Z5#9>+H-4\/ZU<ZCH+6]U(TEII-WH5^9@C+J:H#&T8.
M,L+4H?PZM/\ M?+\;.-6FY8:E3HYY@LTKXF6#C.$*N+ITL-/#QJ8>>#GB</4
MJ4\2ZU:M5Q$]\15CB(5+QG3FLIS+!PJ4JEL3.=?(LPRRAAZ>*E"4Z.'JU\33
MJSC7ABZ>'J1C/#PI4Z5*G3_B>_:<^"WC+XG>*?VC?C7^PE\(/$'PW_X):2_M
M2?LGZWX\\!/^S%X_M/AIXON? W@WXA0^/?BI8?LI#3_ /B;Q+\'_  9KEYX8
M'CWP1:^'_#X\1:K/X?U'^R)#X?>YMM_P;\!]4T72/#GQR\0^$/'WQF_X)IP_
M\%&OA]\1?CW\._!_[%'BS]G_ /9ZN] T_P *7'@_4_B3\-/V6[GQOX\^(WB;
MX,:;XJ?1I?&7AO5OAMX8@FU#3+GP_8>"-<MKE-'3^^2BKP_^R.#I?O'1JY?6
MI?6O]H]K+ U^'\1*GC;\GUFA.?#V&CAZ=+ZK+"4ZGLH5*E/"X*&'5>J\3SJH
MO9JM2Q&'J_5G[!TZ5;"YOA%4P4K3EA<7[/.*TZ^(F\1#$58SF\/3^M8M5OXA
M_BMI?PLU76OV4/&7[!7[%WQQ\&?"VS_;\_:1\6^&M%UK0/''@CP5\7;BZ^"5
MA#9Z]\+?!8M/"'B3X,^!M0N[>'PK9Z/%X4\#7-CJ%NL>FW^H:G"\]C\=_ CP
M6MU\9/V6?'OP]^'VK>%-7U?]DW]M3P-\=?"?P\_8T\7_ +/_ (*^'GQ%O_V;
M?B=<:5\,/%'Q3\4Z3J'Q"_:(\?75W<VJZCXP\6_$/Q[I^KW=KI5YHS:-?ZA/
MI2_Z'E%<DL)%T<SH*I4<<QH*@IU&IU*,?]5:'"TKV4*-2,Z%%XSDC1I*A55'
M#X1X;"PQ%+%:QQ<E/"573@IX6525J?N4YRJ9]C,_C-)\]6$Z5?$JA&7MI^U@
MJM7$JOB)T*N$_E-^+/@GQE<?\&SGP1\'P^$?$T_BRW\$?L_17/A:/0-5D\10
M26OQCT&>ZCGT1;1M2C>WMU::X22U5HH5:20*@)K\LOBW^R/\>-%\2?\ !1_]
MG76/ GB/4/@5^Q1\&OVJ_C?^S5]DT#6=3M]2UO\ ;6TOPIJNC:%X;F.GW$-]
M=>$_#7B/Q;I<VG:5,;VSUBZU(31R3B:5_P"_^BNK,5]?QF<XN[I/.*'$-"I2
M7OQI1S[!X3#*=_<E4J8"I@Z>)P[]Q2FY)QB[36&7U/J&&RW#<JJQR[%9/BH3
M^"=2>58JI5=.5U.,:.,PN(Q6#KPM*7+5C-3:A*E5_P _+]IOX$_$A/BUKEQ^
MT=H\EKX/^+/[ G[*_@G]F'6/%7[#'Q"_;$UV]?0_AIX:T[Q3\-OV>[WP_P"*
M_"6E? 'XRZ-XQU07]UK?B&_\/6UU>7DLE[XCT6/4&B\2>S?MM? GXS^$OC/\
M,;G]KG49-?\  &H_\$T/A!\*?AUXW^.O["/C3]KS5;OXHZ'X8CLOB3X/\.>#
M?AQ\0M7TCX'_ +3&LZG+9ZK)X\F\:7FFV>J21JOQ*L8+0:K<_P!T]%77?UB,
MH22C&>-Q.*DE=MT\11XBH)<S;?UN-/B/$RJXB_U;$UL/0JUL W.O&JJ$W0E3
MG=RE3P6%PL?ACRSPT^'9\U-*+C##U)<.85>P:G5HPKUX4,734,-[#^/W3_@!
MX-^!7[87_!$'Q_\ M/?";6?%6G_\,R^,_AQXR^)WQ-_9ICU?QK>?%S21X6T[
MX$6WQ<T7P5'\9&\->-O!HU71+7PSK&O^+-5L_ OER75OXFTJ&QOI;3Y-\%?L
M]ZE\2_@5^P1\-?B1\)_$?B'P9KG_  7,^,]QX^\+:WX1UB33KWX?ZKXILOM,
M_B.RN+#:OA+6+026UU=WJ)IE[92S0F=HW:O[M**:G?%X7%5(QJ+#9CCL=[&2
MBJ=>&.XYR7C>=&M'E<95%7RF>6.LHJ,\%7P[=!3P;6)AW^JU,/!^SE4R_!8'
MVL+ITW@>%<\X6I5:2O>$?8YQ'&*CSODKX:<(U.3$)X?^'3]HG]EGQCX,U'_@
MN3\*_P!GKX%>+-%^ 6D_'']@GQ]JWP7^#WAC4?#'ASQ-\(=*7QOK_P ;M,^&
MGAC1;?3M%FBFTY ^J:9X56TM[6&&VB*VMM:01Q_;O["5U^R+K/\ P70?Q3^Q
M7\%3\&_@WXB_X)P^+IH4T_X'^(?V>O"OB[7-/^,WPQT_4]8\-_#?Q-X6\#ZG
M +&2 :1K&N_\(GIUMK6J6DTL%UJGDO>-_1;^U#^S3\.?VN/@KXO^!/Q3N/%^
MG^%/%\-OOUKP#XIU#P;XS\/ZI83+=:5KWASQ!I^_[)JFEW:)<V\=_::GI-R5
M,&J:7J%F\ML_SI^R5_P3=^%'[)GQ+\7_ !KB^+_[3/[1WQG\7^$-/^'<GQ6_
M:I^+8^*_C/P]\/-/OX=73P/X7N[3P[X5T_2_#]QK%O;:I=QR:;=WTUU;0*+Y
M+6);</ 5)4*^&==R=/ X*="-92;KXRI+@R?"D55EO*DJE/"XQ86I:GAKXBM3
MQ.(K58X>G68..*IXF5)*-3&8JC5=!I>PPL*6>95FTY45;2M6CA,5&IB*?).M
M*=&A6H<D5BH?*W_!;KP/KOBGX7?LM^(M?\ ^+/BM^S'\-?VK_AWXZ_:Z^''A
M#0-3\87.N_!K3+;4XWU'7?!&C)/J7C+PGX<U^?3=8\1^'[:PU)KW3H)(S87@
M;[+/^-7Q%^"7PV^+GP/_ ."V'Q/_ &6?V<)_#O["_BCX _#>3X!^#KOX#ZK\
M-O"OB+]IWP%I=]_PDOQ.^"'P0\5^%?#^O>#-0T/3=0M-$?Q!I?@;PO>W6LFX
MEL%DD2>ZE_M*HKC6'7L<PH\W^^_7IPDE9TZV/P&6Y?.==7MBJ>$AEE#%9?2?
MLGA<P;QGM*DZ6%5#JABY0JX*JHW^J_483BY/EJ4,#F>)S2,:2M_L];%5,54P
M>.K?O8XC+DL+[*'-5G4^"O@5\.M ^%__  3F\&>"/AO^SYX3U^TM/V9?M<?[
M.^A:=X>^&FA?$3Q#X@\"S:QXE\%W42Z.N@Z+JGQ(U[4=3MM<U35-*>.YUK7;
MS4M<,DEQ>7!_D _9[^-WQ?\ @_\ '/X1?";_ ()Q>!_^"M?PF\;7'Q6\+^&_
M&W[#?[3OA/P_\3?V./AWX-7Q'<:O\7=.\.^*O$/B"Z\2>%9M)\HW<'B[3_AQ
MX)UR'2X]8CU368EN+G[=_?I17?*NY9W5SEJWMJ]*M/#1?*JD:.+K8I8:O4MR
MXG!U?;.A6H8BC42I<_U66%E7Q$JOGTZ:IY/3RK2;ITZT(XB:<K5:V&I4)8J%
M/FO1Q4)4_K$*]"K2G*LXO$O$*C05+^+GXQ?L>^!/BC-_P<F_%7XC?L[:7XX^
M*.@ZUI]S\!_%GB3X=GQ!XBT._M_AU=:LVJ?"#5;_ $B74+34I-:M+*.YU;PE
M)'>7D=O%IUQ*UK+-:R_+_P"V1H?B#XJ^'K?PI\8_A!K.F?$2X_X);_LN/\$O
M&4G[(GC?]J#XO_'/X@6GPWBU;Q+X9\(^./%=IXV^'7[-C^'-1AOH/&NN:5X0
M\%^,M2BEO+L>-K'6M-@CNO[YJ*\^.&4,)2P<9<M*EEF1Y?!17+[.>3Y+G.3S
MQM&/-RPQ&-_MB6*J1J*M2YJ'LL13Q<*O-#O6*?UFMBI1<JM7'YEC7*4DY..8
M9GD>8K"5).#Y\/1_L2%"]-4:K]O[?#U,+5HQ<OY*/V1?V9/!/[0?[=?["&I?
MM%_!'2_B]X9\)?\ !%7X M%'\8O ,?C3PE8?$BR\8^)[:X&JV/C+2M1T23QC
MI"22/#'J4+ZQI<DC7,*02L)*_.S0/V=_C"_[5/B'X??$J?5O#W[7\O\ P4?G
M^)WAW4?"7[ 7C/X@_M&ZQX*M_&4^N^'OB#I/[9VK?$OP#\.M&_9UE\"1"RU3
MP1<:^L^BZ4GFV7@76+JQAO8O[ZJ*])XA_P!I8;,%'E^KXW.,:J,6TG5S;BR/
M%?-%V<%.A4I8?+W.I1J^VPU+G4:-5470X8PM@:^"D^?VV$RK"*I**ERT\LX8
M_P!6>647=NC7ISK8YTJ=2DX8BHH.I4I>V5?^+;XQ_L=> _B1X?\ ^#D#XL>/
MOV>M,\<_%S0?'LUW\"?&_B+X<?VSXMT:[L?"(U:+5OA#JEWI=QJFG7MQK%M;
M_:[_ ,(7*SW\42Z;=S7%D\MM)T.MZ+\)_!/[0OACXO?\%2_V??'OQY^"WQ)_
MX)=?L]>#/V8=?U[X&>-?C]X:\-_$[2?!&FS_ !1\ 6^@:#X=\5S^ /C'XCUZ
M[DU31_%>JZ7H<^B/)>:A<>*O#BZS%<77]E%%>;0PRH8;#X6,DZ=#)\GRA1Y(
MJFHY=P_G7#V+QU&EK"CC\;1SFIBZ5=*?U3%X>BYK&495*4NZIBG4KXBO*,N;
M$9CF68-JK)5/]MSG(<YH86=6W/4PN'JY%3PU6G[OUK#8JO%/#5.6H?QX?LE_
M O\ :M^'?B__ ((;^%_C!X7\=Z/X[\,^ /V]VTBR\2QWVIZO\+?!'BOP)\1+
MKX&^%/&NK*=2B\/ZCI'A/4?#.GV>AZK<QWOAV!;/PM<V=I?Z1-IMM^?L/@/X
M'Z?^S)^QY\'KW]DGXF:?_P %+?A9_P %"?AUJW[3/Q(G_9W\<6OBZUTV;XS:
MA-KWB[Q[\>O^$6BT7QSX(\4F_P!,3PSHX\8:^=/N7MM2&AZ-;68O:_T$:*]%
M8A_VE1Q[C?V>.P6-<.:3KREE^>0SNA".+GSS3Q,XO#YI5J0JU,QBXUJCIUH1
MD<=O]FKT%9.MAZU#2*CAX?6,OQV7U6L+'EC[.C#'2J9=2C.$<![.-*$JE*52
M,O\ /W^*'[-OQQU/]K#]H_P#\7)?%.E?M9^-O^"AEI\3?@MXE\&?L'>,?C/^
MT=XB\!V?CM-:^&/Q!^$_[6VH?%#X;_#?X?? _P .^$](@M=<\$ZOXFTE?#WA
MW394BT+4[K18H=$_8O\ 95_8_P#AIX\_:2_X+B_%;XO? '6/'?Q)C^+5_P"&
M_AEXUTCP!H%_\7K#1M1^$?B*+6KO]G#4_&[Z=INA>,==N=5N+:VU+0O$6CKJ
ME[%I&EZCK(MK:$)_3[17%0I1HY9_9NDDLGQ&4PJV]ZFJ]#AO"?6J=^:I"M+"
M<.PI8E1K<M=XVMR?5\/2IX8Z:V)G5QWUW6%\PHYA.DGI5=/$9QC'AZUE&%6C
M#%9LJN%52E*6&>&4I2KUZU6N?QF?\$@_#?@/X4?MM?L\>!O@C\%K[XJ6=CX
M^+GA3QY\5?$7[(GQ._8Y_:,_9>\+P:=J]]9>&OVJ/$>C:C8_L]_M0^)]8U^V
MTKP==>(H9O&VJ66KVECJ.BZW?:E#!=R_V9T45UU*\JM+#0GK.A3JPE4N[3=7
M$U\2U"'V(1E7E_$E7Q%6HZE?$XFO5JN2XU3C&M7J0]V%9TFJ:5[.G1A2<YRV
ME4FH1BXTHT,+2I4Z-'#82A&G)U"BBBL30**** "BBB@ HHHH **** "BBB@
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MPU\0=>\0_';X8Z3X&T;XM:EX8&NZ3X^\.Z'X]'B*2!-.DN/"AL--AN=.YO\
M;4NO ?Q<^%/[(_P1^)\?@#P3_P (-_P1Z^#?Q$^#OB_XNCXR^/[[QY\1[OP
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M\,)_\,K3?\**_P"$R_X3(_!;_AH;_A+-1_X3+^U_^$9_T/\ X61_PBW]E_\
M"+_VE^__ +.^U?8./M5?TSK%$ARD4:'&W*HJG;G.,@ XSSCIFE>..0 21I(
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MBQU_P.;S28/# \02ZU?W6MQ63Z.+V*2*+]<O^"2O[+UQX*_:=_X*F_%_XL?
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MSJN3Q]''9K4@JT:DZL,!.<,9A?J]5UOZ[****9B%%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% ',>,O!^B>/?#>I^$_$1UH:/J\<<5Z?#W
MBCQ/X,U@)%/'<)]B\2^#=8T'Q)IC^9$F^73-6LY)(]\$CO!+)&_SM_PQ5\"?
M^>OQT_\ $L_VK_\ Y]5?6%%)))MI).5KM+5VT5WN[=+[#YI62N[)MI7=DW:[
M2V3=E?O9=CY/_P"&*O@3_P ]?CI_XEG^U?\ _/JJS9_L:_ ^PO+6^MY?C<;B
MSN8+J 7'[5/[4U[;^=;RK-'Y]G>_&6XL[N'>B^;;74$UM.FZ*>*2)F0_4]%4
MFTTTVFFFFKIIK5--;-/9B>JL]4]&GLUVL>/?$OX$_#[XMSZ1<^,F^("RZ);S
MVMA_PAOQB^,'PSB,-RT3R_;[?X:>._"4&KR[H4\JXU:*^N+==Z02QI+*K^8?
M\,5? G_GK\=/_$L_VK__ )]5?6%%2DE>R2NW)V5KRDW*3?=R;;;W;;;U'S/1
M7=HI1CJ](JR279*RLEHK*Q\T:7^R)\"--C>VN-"\:^*M/EU7PUK<FC?$;XS_
M !K^*6@2:MX/UVS\3>&;Y_#_ ,2?B%XJT1IM(\0:?I^KVV; H;ZQLIY5D:U@
M\OZ7HHJN9\O+=\O-*?+=\O/*,(2G;;FE"G3C*6[C3A%NT(I*VM[:M)7MK97:
M5][)R=ETN[;L****0!1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MC32=-TW4]4T:?1O$UEI^J1W&FQZI;VM\LUI"]MJ$=U92HLUM(H_(*#_@KO\
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M=2G&?]*-%?DSXC_X*F_"GX(^(OVA;K]H+Q5HLW@7P+^T_P##C]F_X7V_P?\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MT.VT72OA[\,_&7QOALO'B>%52!&T[PO+I=GI/A:SMK73=.FU!0]S7.?\$_\
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M!OXS_M"^+_V0-6\4?L4_L^^/_@]^R;X<^$UW\5M)T3XD^)O'.B:5X=D\:?M
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MRQDZEG/'.K+$RUYIRK8#.\NJRNVVN:CQ#FDTOAIU*U-4HTZ&'HT8?S!^/O\
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MY6FZ])49V45AJF$?+HYT*F&S["<LG=WE3H\29LJ<DDU+$1D^;V4+?RY>!?\
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M\:>$O'_A:[FN+:U\2^"?$>C^*M N;BSD,-W!;ZSH5Y?Z=--:S Q7$4=RSP2
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M!AMOG7]I[XF_&C]D+]I;]H/Q)X&^*WC?]H#Q]<?LU?LI>"M"U;7]-^#!\?\
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MU/X>>*_$GA7PWJJW>KZM9BQUZWT$WEQZSX@^*W[2WP"_:.TV'XV?$+X^:_\
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MI\6/BE\%O GQCU?0?&GB[5/B)J U+2)M0\+W>F:#XH\;ZQJOB73M"TK1M/\
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MC4K::M\6]8^%_P"SMX(UG2](N8;KQ-XM\106EC>:5HUQ9:%X??7-5MO)\A^
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M#\L>M:_I>F_$7P?HWAO7I?$'AO6M42Q\'_#[X=>%_A-8V5K?:;)IGA;2&LK
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M?&#X:^-+_P "6U]%#X?2+X806L-GIUOK$]SXF766M[6SY+XA_M9_MB>&HO\
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M]\0\-7BL-&4HX*=26 2C3_+#XV>,_BG9?M0^,/V??&'[0&N_'7P/\(_VA_\
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M5&=IJO@\L>!K4,&J;7(HRQ=+%XJ=27,^9X>"C95&?G1\,?&FJ?&[Q]^TC?\
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MJE*C3S; .G."FH5<DPTL-'!Q>#66?+7_  2Z_P"3)_A=_P!C'\9?_5V?$.O
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M33%U8XG$4ZSB[4\%"A'F^/V_]KY_F=6K=?9=/.EAN5MJ;P_MI*,G"%/\[?\
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MH^$N@R^(3XK\/V4/Q%T*?2-.T"T?5CXD\*II\7C73)+>X.L>'TLDUR"XTY8
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M//C?^SYX*_X)U6.H_&7Q9\7/"?QR_9ZUF/6OAIKG@[X5:-X?\*WO@#X Z?\
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MJ5:>'P>6T7.="3Y:D54H2KN*G2;AC)1F^:JJL?Y[OC3\;_CGXO\ AO\ M?\
MP4^,5[\4KBT^%7Q>_P"";'B'PK8_'5/V9&^+^C+X]_:L^%CZO9>)+C]DO=\)
MFTR>XT2&^T&VCGO/$%M;7,AU:ZQ-;6\'Z1?L'65UJ7@_]NG3K+5]1\/WE_\
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M_P!KU_BAHUIHEIKJKKVD:K;ZW>R:MID7@"VL;C3-1T[] ?CC\5?'?@W]J?\
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M0O[;W_!//Q1X]_:3U/X[2?$#]G#X[>,FL-6\,?";0+31-6UCPO\ #74+[4O
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MCXK>!?"WQ \-0:C9K(+?4UT7Q?I>KZ7'>VJ22B&]%LL\"O($D4,V>8^%VO\
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MMCH8EXAJI#"1I.5"=&+5:I&$>:7-A\^I222<>=59YEE=5RDZ=6/]EQ_>5''
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M;6'40;:ZTP6\RVS1RB5NM\/>"OB=XF_:=^(_P2N_VH_VC[+P)X'_ &-_@_\
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M'KQ%\:?V@_#'Q$_9JU_2]?\ @[X2\(?'7XE>%?AW\+]9\/?L^_##XAZIH3>
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M.;DV\9+#YI2P>+>O.WA<7F%'&48J:G'$4%4IRA6C2JQ_%S]DSQ]^TMXY\1_
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M;\2W@\3V%YX0TGX'MX<^#T5KJDGA>Q35+S0O#;:?]'?M0?M:>/O"WC'X3_\
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M:;F_:5G3=6HY5*LI3G*<ZM2<I3D4445@:!1110 4444 %%%% !1110!\6?\
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M826'K8G"PLI4JV+JRC-3E5J5OP%_:C\7?''X Q?MP_"G]G+Q)X]OM!\,:/\
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MC5:GQAX_\-S_  9D\/>,!<6?C6WNO#.JZ5)XZUMEA\&S^'=-OU^R0ZO8ZA!
M8W_H195=61U#(P*LK ,K*PPRLIR"""001@C@U7CL[2(P&*TMHS;0M;VQC@B0
MV\#[-\$!508H7\N/=''M1O+3*G:N,*E&526+DZLE/%4?9*>O-3?]F\0X%SYN
M92DWB,ZPV.LG%^VRN@[^T=*MAR%7V<*4(Q2C2E.=E9)OVN JT7:UE['ZG.,=
M_<Q%2.D'.-3^0[Q#^UI\7/$7[)7A_P :7GQ/U-?BGX#_ &*/@'XM3QU\1_VP
M_B)\'O%\GC2^\/7>N77B[X+_ +.?PM^'NJ1_M+ZSJPLK<>/=;^*WCG1/#UGJ
M"3Q-:G2-.US[7VOQ'\'_  IU3]ISX^^-?''B_6M*?5?VZ/\ @FG\4-2U.?XZ
M_$'PCIQ^''BO]GGP#'XE^(AM['Q_I&G6?A>+QG/>Z+I_C&.""S\+3QIX9\/Z
MGI%G:6^FP_U6OX>T"1H'DT/1Y'MH#;6SOIEDS6]L59#;P,T!,4!1W0Q1E8RK
MLNW#$'RCXU?%3X-? OPU8>+/BLLEKIOB#7M"\!Z+9^'_ (<>+OB9XI\3>(-7
MEE_L'POX?\$?#GPKXO\ &GB.]G:VFFM]/T?0+_[/%;S73I##"\J]2K*&/ACY
M-*;S3!XJ*YE!W6?8/-_JU)JT(UL;B<+A,'*I"FIUJ;Y)PK5/8*G3E&<<32HT
M73HU<LQV"]C%N:I4JF!I8:%:3<>:4<#AZ>*JP4GRTW6J3BZ,?;>U_"GX2_$G
M]ISQ9\<;"]USXE?!SX??%M/VS_%F@:[HOB[]N;XWS?$36/@UIGQ!UVQM/AC8
M_L*Q?LW:M\,;?1M=^$UC8:IX6\9:;\2;>=;O[!XUO_B%%#/J6ERP^ _#WC&X
M_8[_ &6/C%+^TY!;^,_''Q'^)NJ_$_PS^U+^U_\ M%_!;P+\;M"TOQW\0M%T
MKPOIGQL\%:QXFO\ X.ZQX&T2WL6\,6WA_P &ZAI/BI=/BB\5:/K-S +Y/Z,K
M2QT6\DM?$$&DVT=[=6L,T-]=:.;#6$@N(%V1W*7UI;:K93"!_*GL[R."YMSO
MM[B"*17C7X]^(O[;?[,/P]\:V/P?\<Z%\=E\47^LZ[H_ASP]I_[$'[8/C+2/
M%.I^&X9;[7&\":OX6_9^U[PMXWM+"T$NH2:OX.U/6M+ELF-_!?2VL@F;&$'0
MH4<&Y6Q5*>#?M9QBZTG@J-##XB"I554BJ>(G1IUZV'Y'0^LU*E6K2J8FO5Q%
M5>T]M/$XE4[X>LJDN2DY*C2]M/,*M*2J4VI7HTL;.CAZO/&K"AAZ4*52%&C1
MI4.K_8=^(R?%7]EGX1^,H]!\9^'!=:%=:4VF>._'9^*>MB3P]JVH:%)=6_Q2
M>"TE^)OAZ\DTYKGPM\0+BTM;GQ?X=DTW7;F!)[V05^)WBO\ :>\7I^UW\.O$
MNC>/YO"^G:A_P4J7X'^(H/&W[7'CC4?BO<_#\:SK/PUOO!VM?L7^'_A_HWP4
M^%7P=O-9M;8_#?QUXG\;^(_B!XOTZX\+^+;KR=8\6"*R_H'^$OQF^&7Q@LO$
MH^&FI:C=)X#UVW\(>*=)U?P7XR\!:KX7\0/H.C^(TT#4O#GC?P[X9UC3[^UT
M;7=*EO+)].1]-N)Y-,OEMM3L[VSM^FTV?PGK7B#Q38V_AVZ36?#>H:7;:UJ.
MK> ]=T6QO[R\TRQURPN/#_B?6]!L-&\;6UK;W5LEWJGA+5=>L=&UB&YT/4KN
MQUW3;W3[;=/ES/"XV<)2ITOJ^*EA9.;=>E_:.49@ZJJS<JGL\5AL-4P;J-SA
M5PV:3C5=>A5G1Q&$O>P&*PD+1J5G7IQQ$4KT(RP.:8%4^1)1;H8C&8;%1=X2
MA7RZDZ:HUO9UL/\ BM^SK\1?$G@']MKPUX'\5_$K1_VD)?B?\0/V@=&T3XC?
M"C]K#XFZUXN\(Z5;P2>+-/\ #G[2G[#_ (RL+CP+\.M#\(PZ/<>$="^*WPU\
M1Q0VVM6?AVTOO#6ECQS(MU]>?ME:9J/C+]IG]A#X7S^-/B-X9\"^._%7QX'C
MO1/A]\0O&/PZ?QC9>&_A-+KFBZ9K6K^"=9T+7#9V&MV]KJ<'V+4K2Y2>W\I;
M@6MS>V]S^B$.CZ3;7LVI6^EZ=!J-P&6>_AL;:*]G#E2XFNDB6>0.40L'D8,5
M4G)48N/!!))#-)#%)+;ES!*\:-) 9%V2&%V!:(NGR.4*EE^5LCBL812HX*E/
M]X\'"$+M+EE&G1]G2BH?!'V<W[7FY>:I.\ZOM*\JE>ILZK^LXBO%.'M_;.RD
M^:-2M*LY5%/1Q:C5A&$(\L*2I)4/94_9TJ7\X6AZMXM^"'P<_9R^.D?QD_:<
M\4^))_VBOVLOA-XN:;XK>,OB'J?B/X6^"OA[^TW?>%] T[P-XRUO4? NJ^*?
M"\OPP\*77ACQ!J6AR>(+K5+)GUS6=22]O/-POV=?%7Q!^-?QAUS]G[3?C);^
M$;7XX_L$>,=;TZY^%?[=/QD_:D\1V/Q8M-4\-#0OB+K7CW7_  ;\+]'^&OQ6
MT2;71>^(_ 'PBLI?#UK$)TN+FXT.?3K5?Z5/L%CLCC^Q6GEQ2R3Q)]FAV1S2
MB199HUV;4ED6:59)% =Q+(&)#MG U+PCIUSHVKZ7H;MX,O\ 4M+U33[+Q-X5
MTWP]!KWAZYU.T>U&M:+_ &QHNLZ+_:MBYBO+0:OHNKZ7+=6UN-2TS4+026LF
M<82C#$JK*I7]K0JTH*,W3JTXU<@K915A2JN7NNKC*SS?WFJ?UV,*LHO$J&,I
MZRK*57#3HQAAG2K0J-RBJE*4J><TLRP\ITE%*V&PU-9;#D3G]52I+_95+!U/
MS4_X)P_$OXM_M,:O\3?VC?B;JOBK2+#P_H'@C]F'1/AK<W.J6/ABV^(/P?@O
M)OVA?B1'HDLL-A?ZEXK^*NKW/A32=9FT\WEKX:\ 6J65W]EUFZAKEOVNO%GP
MMB_;I^&G@?X[_'[QO\(?AE>_LH_$?Q/I>@Z3\;O&GP4\(^(O'>F>.])L[74]
M1UKPIXE\*B[\3:-HUS?/X?TR?6(SJN^X1M/U86$<-O\ IK\(OA7X8^"WP_T+
MX<^$9-5NM)T07TTFJ:_>IJ7B#7=6U?4+K5];U_7]1CM[2*]UG6M6OKS4=0G@
MM+2V\^X:.TM+6U2&WBP]7^!'@#7OC3H_QXU:UO+_ ,::'\.-5^%]C:7<EG<^
M'/\ A'-7\1:?XGN9Y=*N+"65M8CU+3;=;>^2]C2*U::(V[LXD7?$7K8C"2_=
M1IT88]5_9TW&E+$8O)\UH5,11H1=/V:K9QCOK]."</JTJG/3LZ,(G/AW&C#%
M653]Z\-&A&51.K'#87&X!8;#UJK4XSG2RG!PP=:IRM8EPFYW=><G^ 'A7Q/^
MTWXV\:>,]<OO&OQQUGXG_"[_ ()(Z-\7OA%X('C?QMHEIKWQ7?XV_M&Z+X!^
M(GBKX>^'=<TC0_&'CC5O!WA_PQ#=67B+2[ZTUUI+:+6=)O)[33DLMOXF_$[3
MO#'PN\;:C^RK^TK\5_B%HM__ ,$X/VFO'O[0?B>[^,OC_P"(6N> _B/X?\&>
M';WX=>./-U7Q!KA^#?Q>F\2ZAXNA;P=H!\*FVM["^2'PS = LWM_Z0EM;9)S
M<I;0+<F!+4W"PQK.;:-VDCMS*%$GD1N[ND6[RU=V95!8D^9_%'X.^"/BU\+O
MB9\(_$5C)IOA;XL^#O$O@CQ=-X:%GI&LS:1XKTJ\T?5)K2^^Q7,<>I"TOIVM
MKNYM;M8IR)'AE&4;'$J<\)BZ-))U*V'SF%.<W:<JV9UN)ZU-U)I6Y::S[!4Z
MKA&#K2R3!5'RJGA(8'HI5H?7\)B:D>2C1Q&5RG1II.G[+ X3AG#34:;LVU/(
ML;7PL7.U'^V\;3E[7GKSQ7X _$WXM>.?"/@KQC>?L%_&GXE?&G0K_P#8VT'Q
M/\;-=U7XQ>-/B=IW@#XA7_Q.^'.E6'BRW\7ZRGQ*UOX5_$34_AUJOQ@U+Q9H
M/ACPYJ \-:3X;TOQ*OPV-YIMA!J.%X\\7?&)/@-^T*?"'QU^'N@?#N_U?]A[
M1-*TO]F_]OWX]?M=^-O"/B/Q?^UG\-/#/BWQ#'\9O'_P8^$&O^"+;QUX$U-]
M%U3PGI_B?Q!]H"7DTFF:39ZE<1WG])?ACPGH7@_0=.\.:%I]O:Z;INFV.F(%
MM[9);N'3[*&PAEOV@@A2ZNI+>%!/,\8,K%CM .T<9X>\;_"C4_'WC?X-^'9=
M*/C;P%I7A'Q/XU\+VWAN^L;?3-.\7MJ,OA/49+^72;;0-2EOGT*^DCCTW4+Z
M\T][-&O8K-I+;S.N;IO%*2O7A''RQD54BE.OAX9SBLU>#K16D\'A\+6C@L)0
MJ*I2P=*C"HH24:<*/)2E5C2H.WLZE&.#E4E%N7)5H4<KP\J\:C^#$8NO@YRQ
M6(BH3Q,L6X2^/$?6_P /-5\,>)/A%\2_^"H/CKX.:QX]M[G]ESXW?L9?&B71
ME\=>.O$6M^.OAUX _9D\!ZG\4/!?B#5=;US6=?\ '#:W\/9?$W]GV7B>^UE9
MM;M])=0)K>V>+]/_ -@[Q!XL^)WPBUO]H?Q3KWB/4[/]I+Q_XG^+GPWT37;K
M43;^#_@KJERNE_!S1]+TF]G>+15U;P!I>B^,-4MK6WM/,UCQ->M<Q/<*TK^_
M_&?X/:-\;/AWXL^&6L>(O%OA#0/'EF^C>-+WP!>Z1H?B'Q%X8O+9].UOPQ<Z
MY?Z'K-WI^G>(-'FGT;4-1T0Z5XGL["=SH&OZ+>K%>1^FZ9IFGZ+INGZ-I%E;
M:;I.DV-IIFF:=90I;V=AI]A!':V5E:6\06."VM;:*.""&-52*)%1 %4"LZ4G
M&$U-N4XX7+\'2;?,YNC@<OPN88BIS<W+[=Y/E3P4:<E+#_\ "K&HYQQBG.ZS
M4UA(PBHJE[3VSV:A1]HLOHTN6W-&^89M4QJJ)J4EE;IR;H5(P_*/]H3Q1X#U
M']L#XF>"?VI/C5XQ^!WP4T#]F+X=^(_@G>:/\:/&'P&T;7_&^L>+OBO:_%SQ
M'IWB7PEXK\+R>,O'GA'3=*^'=MIOA.^;7(;"POH;^+PW<OJ,LMQ\H_$'XH-+
MIO[3?B9OV@?BM:_M6^#/B_X'TK]DKX>R?$WQMH%[XM\ O8^ )OAW+I?P.T_5
M-/T#XH:'\1X]0\03^/\ 7]8\ ZQ- L^N27=YH/\ 8B/IO]!-]I6EZGY/]I:;
M8:A]G?S(/MUG;W?DOQ\\/VB.3RWX'S)M/ YXHDTO3)KV'4IM.L)=1MUVV]_)
M9V\E[ N&&V&Z:,SQ+AW&$D489AW.<Z$72]G>3?)*L^:'NS@ZV9QS#ZU1E)U'
M#,*-*/\ 9]'$RYXPPDJE-TI4)4L-0NI452<YJ$4I?57R2UA*.&RZ& EA:J2A
MSX'$U8O,,103C*>,Y:D:D)JI.M_.=H.@>.?'D]]XW\2_'']H:Q\3:S_P6%^)
M_P"SUJ%MX>^.OQ,T7P_I_P $I]:\46FI?"O2/#FG^(X- L= 8B^&G:M#IB^+
M?#RW<2^&/$.BQZ3H::9QGQ'\?_';P1\<;'X&V/C"74?V7_#/[0_[36BWVJ_'
MC]LSXV_LW>'U\1:3X-^#.M_"GX;^*?VJ?"O@+XV?$^&SM8?%GQ,U_P )^#M8
METFS\3W.D+;WOBUTT"RT#5_Z:!86*C"V5HH^U-?8%M"!]M<DO><)_P ?3$DM
M<?ZUB22YS45SI.E7L,UO>:9I]W;W$PN)X+FRMIX9[A0 L\T4L;I+,H50)75G
M   ;@4Z:Y(X:+4)1H8.AA)TW!.C5='*>&,O]JX2YFIPQ61YAFN&U<J&/SBI6
MYYSAB9XXE5YIXJ;YFZ^(QF(A/G:J47B<RSW&QBI1Y5)1PF;87*Z_NI5\%EU.
M"5)?5E@OD;]@6^^)>H_LO>![KXJ?$#P5\4/$+ZW\0QI/C/P!XY\2_$[P]?\
M@9/B%XF7P!IR_$GQ9\//A7K?Q U#P[X0&C^'-2\:W'@31(_%-WI,FMP"^BOE
MU&[_ ".U_7O"/AGQM^V[KO@;XV>.-'_:SM_VX]!LO@]\*M$^*7B731K(NU^&
M4=SI=A\%+/7]-\+^/?#WB33)M?/B_P 0:YX;\1?V5:PW3'5]*&C01VO]&L,,
M-M#%;V\,4$$*+%#!#&L4,4: *D<4:!4C1% 5450J@   53_L?2#>KJ)TK3CJ
M"%V2_P#L-M]M1I 0[+=>5YZEP2'(<%@2#G-:\_\ MZQJ32^K_5VDW[6SS'*,
M=*M&M+F:KSCE<J4YSC4YWBIU)J:C*G4S@^7#5J#2;JUYUTK)4%S4L?3A0G1B
MHJ6&I/&Q<*5.5)0CAZ<*7LERNG_-WX)^)G[67B[X_P#B*7Q+\1O@[\,OC1I_
M[>=YX5AT3XA?ML_&_P .^-I?@#H_Q:BTS1OAOX=_82T?]F_Q+\,=?\.?$#X&
M6R7_ (:\?P_$N6\U#5M;C\>ZKX^\.?9K[1=+U?#6G:3\--?\=6U[X[^(WPV^
M!?Q&_P""I_Q=\,_M&^-[7XM_$?2(-,\(:3\+?$NO>!M+U+QO<>,H[SX9>'/$
M?Q+ET'2O$/B;P]J7ARZU!)-)T;5-7-FMA;Q_T8-I.E/?IJKZ9I[:G&NQ-1:R
MMFOT0*R!4O#&;A5V,R;1(!M9EQ@D4^73-.G@N+6;3[*:VNY&ENK>6T@D@N96
M(+27$+QF.:1BJEGD5F)49/ K&BG1I8:%H3E1PE/"U9..F(Y<9PKBJDIQ;E[F
M(7#4_;4).=*I7S/$8FLJ]:6+EC;JU/:2Q3M*,<1B*U>FE+WL,ZN&XBH4O9RY
M5[^$>>TY8:HE&5&GEV'H4?94HT(X7^>7P-?^*/B?^T?\%OA+9?&/XU>*?V4Y
M/VJ?VJ=+^$>MZ;\9?BCI&H_%+X<^$_V=/!/BZ/0[_P")NA^)-'\7_$?X?^!_
MC5J/BZP\#^)KCQ-JLFHV&@Q6/_"0ZUI,4LE[D?LW?$#]I3Q/\8/AY<^(?B/\
M'_!/Q4'[3OC#1/B+X?\ %O[=GQW\1?%;7/AMIWB/Q+9'X:-^P]??LYW'PX\,
M6W_"&6.C7_ASQ/8?$B!H/L=IXCO/'^HC5+^WO?Z O'WB[P'\(OA_XL^)OC>X
MM/#?@/X5^$/$GC;Q+K46CWFH+X:\)>%M&O-:\1:C:Z7H>GZAJ]PMEH]A=W#:
M?HFGW>H7BQ?9K.SN;B2.!]C0F\,>(+72O&NB6FG74>OZ58ZOIFNKIBVU_>:7
MJME#=64[27-K!J4(N+.:%C!=+%/&K>5-%&ZL@O#2]E/"/FEB/[/PF HXJ4VI
M5L57A*BZ.,QM1>\ZN8++<3&NJKG]<7UF%25:E#$4JBKR]I1JP=.-%XJKCGAW
M&-J=*E*6,G5P^&@[14<#+-\-.#I<GU:<<-.G'#SGA94/S?\ ^"QOA?3?$_[!
M_C;^UFU2*P\/_%W]EOQ-?W6F^(]=\,)IVCZ7^TY\(QXEU?5=0T+5=)==(T;P
MQ<:UJMY/J%PUCHYLXO$:?9=1T73]2L?@*+PUI_@O]GS_ (*%_M+_  Y^(GQ.
MM?&/PY_;;\5ZE\,=5\._&;XA+X+ATBSUGX.VD:W/AG2_%*^#_']EXET[4;MM
M8U7QKIOBJ_UB&]5QJ0CBM3%_1W<6UO>02VMW;PW5M.ACFM[B))X)D/5)8I5:
M.1#W5U(/<5 FF:=';R6::?9):3-NEM4M(%MY6&S#20",1.W[N/EE)^1/[JXC
M#1>'K8BJG?VWM)0M[DZ=6KB>'*M2?.KWM1X>C0@DHR2QV(<IR@O9STG6Y\/0
MP\H\T:6,CB)\SNJE&.%QV'^J\MM(3GCI5IW<HN5.%J?,W-?SG?'KXD_M,:M^
MT;^U+I@^(_PB^$GC'PK\2/AKI/[-FO?%#]N/XV? _4]%\(7/A;P-=:7JWA3]
ME#P9^S?\4? 7[0>C>,O%^I>)])U^35_$M]JNL3R7?A^W7P=)I=AJ,7[Q?&>+
M5KKX'?$R"V^(DGPDURY^&OBB&#XJ:5I#>('^'FJS>'KN./QM8Z'+Y+ZP/#=V
MPU>'37:WDO$M1!YEN\GF)M0>*OAMKOQ#U?P)#?>'M4^)'@O0]!\2ZSHWV6*Z
MUOP[HGB&YU&#P]J%Q.UNPL4U.XTG4C81BX2>3['-,L0C D+?BO\ %3P#\$_A
M_P"(_B=\3];/A[P/X7MK>?6M3CTC6_$-THOKVVTRQM+#0/#6F:SXAUS4M1U&
M]M-/T_2-$TG4=4U&\N8;6SLYYI%0YSA'^S%A)R2BZ#I3Q$I2C&JU0C@YXB7)
M.FE7KSI.IC*M*5.I6Q7-)S4XQY"-27U^GB80:<*JJ1H1C"<DIU*>(IT5[6G5
MYZ-&-HX2E7A6ITZ%2RA)5*LJWX >#/C1XP\,_LK?MZ^"9O&-G>^/O '[&.I_
M$)/V@_V;OVSOB]^U!\*;_4HO#OC#3[;Q%X>N_BE9P>/O@-\7<Z?#K]YX'L-=
M\5Z?);_9=2TW7KB2V93ZEI/Q+\6>'+3XJWW[!_Q6^(7[0B0_\$[O'/Q"\01Z
MS\2O$OQUTO2/VFK%=/;X0S6=SXLUWQ!=>&OB1XK@G\9R>(/AMI4NFZ>]OHFA
MS77A/3G,#7OZ]^)/A[\,_P!HKX#>*_ \VC>(O#OP\^./P_U7P]K5N?"&N?"K
MQQ%X>\6Z3/IUT+WPQXU\,Z+XH\*:_%974@%AXI\,6FJ:;/A+W3$=6BKU;PQX
M7T3P?HNG:#H-C!96&FV-C81^5!;Q37$>GVD-E#/>/;PP+<7;0P)YT[(&=LG"
M@@#6O"I5J8V4YU*56MA/JO,E&$IU9X3B;"3G5ITHT:=*.#EF^ Q5##T*=&DL
M7EN'G3C0]E35*:%:G2C@W&G3K4Z6*6)]G.4ZM/V=.MPY7A%5:TJU:O+%+*L?
M0G7Q%6M5CALQK4ZD\0JE5UOP1_9"\=_'V>\U;7_ 'Q/^#OBR"/\ 8V\>^(?$
M'@+PO^W)\<?VR_B9XP^,L">%[GP)\0=>\'_$S]F[X1:5\$=>@U/_ (2C1O$O
M@W2_$.GVE[>ZQ;Z7IW@B)?#\MW:]<?&_P=L/V(/C+\0/AU^U#\3=>_:@F_8&
M^.7BSQIHQ_:$^(/B;Q!I/CJR^$U[K.M^*-=\ 7OBK6K+X/>,O"'C"/9H?]A6
M'@.YT2[>>PL+63[.D5K^Z%GI.E:=)/+I^F:?82W3;[J6SLK:UDN7W,VZ=X(T
M:9MSLVZ0L=S,<Y)J.+1-%@>\D@TC2X7U%'CU!XM/M(WOHY<^8EXR0@W*2;FW
MK.75]QW Y-3CH_7*&-HTU#"O%X+$86G4I1M/!NO+.9OZOR\BA0;S:G2J8>"A
M#ZOEV#H4/84J5"&'>7U?J6(P%>HI8I8+&X?%5(59W6-C0AE4%'$N:FYUE_9U
M6I"O/GG[7,,74K>WJ5)SG_/I^UC\;/%(\*_![PS%XKN;37[#]@+1/B<=7^)/
M[8OQ)_9>\.W7C#7-*T^WL?%/P\T_X2^ ?&7Q'_:8^-=O=Z7=R:AX%U[Q%X9\
M):=8W.EM/=7&L>+?M5I]"?L^^.M4^)WQ\_X)E_$'7->_X2G7/&'_  3U^*^O
M:WXB,B2R:QK%_<_ ";5;^9X_D^TSWYN&N5P&2X\Q' =6 _6RQN?#'B>]U2U&
MA7<ESX/U,:,\OB#P3KFC6R7/V.TO1)X8U'Q'H>GV7B'2A#<0)_;7A2YU31!=
MQ3Z?]O\ M]C=VUOTD-A8V_D&WLK2 VL3P6WDVT,7V>"0JSPP;$7R8G959XX]
MJ,54D$@5V3KQGC,3C%22^M8[&9A3BFK0I8ZAQ13I4X-)0:AA^(\+3]M&G&5>
MAE.&A)NG+#QP?'2I.E0PM!S<OJN P^!;=[SG0HY)3JU7=N4?:XC*<1B'2E*:
MIU,?5Y.6:KU,7\&?\%,-4\2:9^RU*/"OB_Q=X%U/5_CA^S%X:G\1^!O$.I^%
MO$MOHWB?]HCX::!X@LK'6](N+:_M(]6T34+_ $J]$,RB>RO+B"0,DC _F9X_
M\+>)?A5J?[=WB'PC\;/VBED_9I_;7_8GT;X+:5K?Q]^+'B;1O"GAWXK:;^R9
MK'Q'\,:A8^(/%FI#QOX=\5S?$;Q-;W.D>/G\3V>F6EUY6@Q:27N'G_HLF@@N
M4\NXABGC#QR>7-&DJ>9$ZR1/LD#+OCD59(VQN1U5E(8 U$]C92>?YEG:O]JE
MAFN=]O"WVB:W$0@EGW(?.E@$$(ADDW/&(8@A7RTQRX6^%Q*Q%^9_7%BG'X;P
MCB.&J\:+?O745D6*IQ;326;5[12C5CB>J4U.C*A./-"4)1LWM*<:U.<UI>\Z
M->=*5FKQ=[W4>7^<'X0_$O\ :E\3_&#2]4U7X@_!GP3\:HOVM?'&C^)?#GB_
M]N7XY7OQ(U[X9:9XQ\36MI\*H?V$O^&<;SX9:-I.K?#VPTF_\,^*],^)%H]O
M+%9>++KX@F*]U&PN,K]E3Q9^T5\6/$/PBA\?_$WX7Z%\0/&VN?&32?VG?!MS
M^WI^T)XH^.7BG2+[PWX]LM<\ Q_LAI^SMX4\'?L^ZSX(U=M F\+ZUX+^*>AK
MX?TS18);'QOXONM7@U#4OZ31I&E"_P#[5&EZ>-3P5_M$65L+_:4\LK]L\K[1
M@I\A'F8*?+TXKR[6_BA\)/!OB!XO$DZ>$]=U'Q[X1^%NGZGKO@OQ'H*>+_'/
MCVRM;[PWX?\ !WB+4/#]I8>/FO+:8+J%]X1U'7M)T*XL-5L?$%]IE[H6L6]A
MBJ$98:.!F_:2K86&"YN5>UG6KTL)EL8T(_%&CC:WLHU\#!^RQ>*K45.-2O5K
MSQ;K595)XFO"]%<V(Q-XM\M"FI8[$NM.6B]K@(5[X;&2Y:F$HT).$J<(87ZE
M_+A\)/'WBWP-^RYK'A'X7_%[XA>'K+PI_P $AOAKKXM?#GQ5\5ZD_@7XO/\
MM/>,?#?BG5].2Y\0ZI%X9\;:7#;KH-W%"EK<Z59V<6A/:P:? MBOZ+?M%7/Q
MA_9I\3?$OPY^R[XF^+'B#Q9XJ_X)V_%OXH:=H7B_XD?$+XN74OQ2\%^(/#-A
MIOC/POIOQ!\2>)AIGB6WTOQ%K5W%I/AV*RTO5;^WTZV&BS^3;VI_87X7^.?A
M5\6_#-[XK^&<^F:[X;C\0>*_!M]>Q^'+_15;7?!OB74?#_BG2Y;/6])TJ\F3
M3_$FFZC UQ]E?3[Z:)KZPN+NVFBNI.I\:>#=*\=>&/$/A74KOQ!H\'B/0=2\
M.SZ[X-\2:YX)\9:39ZI;O;RW/AGQGX6OM*\2^&M5MBRW%AJFBZE9WEG=113P
MRAT%=&*JU*U)3C!.M*GGDY-2E!8E9T^),3AJ:FFIQH82>?X65!^TESQRS#5(
M2I-T98;6C4IPQTZDZ<50^NY9.6'E%2C1_LRAP[@Z\9PY>656L\AQ,JW[N+4\
MQQ%.47:K[?\ '/\ 9H\8_"A/^"AOPG\$_L^_M*?$CXR_#W5OV#_BMXS\>^']
M:^.?CKXQ>$$^(%G\5?V=M-T3Q??/XG\0^(++2OB'?Z+JFL1:UX>AN+-_"MG<
M1-:>'/#4?B>\_MGVO]JKQ/X4/[5WA/P7^T)\7?%?P>_9]/[/WBGQ-X1OM+^*
MWBGX'^'/$WQ?@\2QV6HP:EX]\(^)_".H:GX@\/>$C#J'AWP?<ZQ+:WQNKV_7
M2-0EM%\GZL^#W[*GA'X3>.;SXHZCXY^(_P 7/B9-X+3X<:=XX^)]SX(34M \
M!G5;;7[[PYHVD?#3P+\-_"2-KFNV6GZMXC\2ZAX<U'QIXAGTO1K;6/$MYINB
MZ18V/TG?:9INJ1I%J>GV.HQ1N)8XKZT@NXXY "!(B7$<BJX!(#J V"1FG749
MT,OI1<92PBSGVO-"]*:S+,\_Q6$48Q]E;^SL+FV#5"'*H8;%9?3IX9RHT*&(
M?)1<J<\4Y<[5>&40A4YTJZEE^!R2ABYRDU43>/Q.6XN->5W+$X7&U:E:-.M7
MJT8?@O\ L3:A\5OC)^V!\.8OCA\0OC%J-KX,_P""??PV^(OAWPM/\0?B'X,T
M77];O/VGOCMX8\*_$KQWX,T;5_#VG^(/%^L_#C0_#\&KCQ'I5Q9ZK%<*^K:9
M=26FF&Q^KO\ @HS\3)_#/B3]G;P%%?06%OXRU+XEZUJ \;_M3^*/V,_@OJ%M
MX4\*6X@M?&WQK^'?@'X@?$Z]\3VU]K-M?^ _AKX0T_2X/%EU#JVH>(=533O#
MRVT_Z@K:VR3?:4MX%N# EL;A88UF-M&S/';^:%$GD1N[ND6[RU9V95!8DP7V
MF:;JB1QZGI]CJ,<4@EBCOK2"[2.4 @21I<1R*D@!(#J V"1G%36_>T,/03:5
M&MF-:<Y<LY5Y8[-LQS*$ZEHQ7ML/3QF&PWM5:4U@:4Z7U9.E##ZJI;%8C$\J
MBJU# 4*=.FW&&'C@\HP&65(TKWM2K5,+B,5&D_=@\9.-3VTE4J5OYUOV4O%G
MC+]IB[_X)N^$_B-\8_BCK&@:S\//^"A%O\1-/\$_&+XG^%AXRU'X3_%'X1>'
MO!%IXK\3Z)K7ACQ[KDOA"PO9$TC5==O+'Q//!<S3:FR_VQJ=M<ZDOQO^+_[/
M/P5TK]J.+QE\3/'OP^_93_;'_;)_98^(GA75_%OB[QCJ?B'X&ZU\6O%_PN^"
MFLZU%J-]J4WB_P 5_"_XEV?PFT\>+M>6]\3+X*O?%+W>L3F:]:Y_>;QQXN^'
MGPD\(ZQ\0?'.IZ%X-\(^%K>2]U;Q#?01V]KID6H7=M:L0;:![AY]3OYK.UCM
MK2*6ZU&]EMK>*&>X>)#X[^TUX/\ A#JG@[PUXB^-?C_5_ OPD\$_$3P+XP\0
M>'K&]T?1_!_Q#\71^//#%Q\--'\=X\.ZAXIUFV;XGKX6N-+\->&]9T0>+?$$
MUEHOB.W\2:7>R:-/#4G4PZA4E3C.=7#8B2?,Y2S'/\+CJ]?7FG/$0RJ>,R>@
MHOZVZ>/<L/B,/.:*IR@J/LITE/V=2I4HV]U\E/ YG2HX2ERKEIWQF+P.,4FI
M8>.(P&'G6PU:G&,8>=:'-XX_9]_8!UKQ%\2_$WQ,\6?$?P;\!?&OQ"\<>(/#
MIA\4?$P^,+WP[K/C+6X_!MIXIDU'39]6T/5+V:Q\(Z1J:S:%9)I^G6#V@TN#
M[,/Q,^'/[0?QYTG6?V@/"WPR\?:)>:_J?_!.N+XG>&O#OPT_;&^)_P"VY=/\
M0='\?^']'\3^/8_'/CWX<^!](TCXKZ7X1\37M[K/@7X7^&)O#%E>II4PE:*?
M3Q;?U*LJNK(RJR,I5E8 JRD8*LIR"I!P01@C@UYWXR\2_##X.^&;GQKXQN_#
M7@?PSI]YH^D3:U<65O9P)J'BW7M*\,:'I<(L[9KB>]\0^(]5T?1=/L;:*6?4
M=3O;*TBBEFDC6KERRQ>*Q')34,53GAZ&&M)4Z,J^"SG PIP<91G.#K9K@ZRH
MW7/5RS"\O+B%0KX:*4Y0HX*DVYSPU>G7K57:^*=/&Y-BUS1LXPE[/+<9AU-<
MS4,TKQUH^VH8K^8S]JCQ9\+O!?Q>UKQ#^RE^T=\0O&T]C^Q9H$VK>(K3X[^.
MOB9J'A7Q!K'[6/[.6GZC+8^.-9\2:YKOAG7_ !;H$XB\8^"['Q!9V6GVT=H[
M^&=%_MV[.K?5>D?$SQ!/<^%?$]A\:_B1<_MWW7[?.H> ]?\ @;/\2?&5QIB?
M!4_'+6_#&K:!JWP CUN\\(Z3\*]+_9X2+QMI_P 2%\):;,NK6NDZQ'XOEOKU
M;>__ %*\4^!_V?\ ]M+P1XI\"Z1XDU=O!7@#XVR>$?BEH_@W1[;PG'K_ (Y^
M#WBK0]>UOX=^)KKQ/X+?4[_PY%XBTK0Y=7O_  7=::NMQVL<&G^*IK(W"/\
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MZF7U(5L#4Y)_5L='ZI4C#%N%54HS_@S3:/YR?%UQ\,?$D/[4UQ^S+^T!X!\
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MQU?37=([[3+HQ7MF[JMQ#&6 /PQ^TLCM^V?_ ,$^'5&*IXE^/^]@I*IGX33
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MGXE>)?BW\*_%^E:;K]QL\9?"#QQXICMKW4OAOK,\TYT&#3K&Q\/:<\-W8:!
M=-MX)9/QM^&7BSX=ZQXX^*&F_##Q]XAU3]O[3O\ @KO\1[+0_#$WC+7;GQE9
M?L\Z;^UA>1?$JWT_PK?7<T!_9GL_@H/'T/BB^M]./A"Q\<RW]D-2M/&D.BVT
M/]/=>5_"?X,> ?@GI_C72_A]IEWIEG\0/BC\0OC'XG2[U.^U1KSQY\4/$%QX
MG\8ZE!)?S3O9VM_K%U-/;Z9;&.QL(V$%I#%"JH-Z4N3,Z&.DKT\/E]*CR2?/
M.OBL/G'#.8+GDTHTZ6+HY-C*6*<(-*CBIX2E1C1K.='"HU++<3@HZ5,1FCQ2
MDE:G2PM3*^)<$XM>]*O5P];-\'4HJ<H^TJX;ZU5J^TI*G5_ ;PEX:\&>%_A!
M\(?B=\5;K4]*^#'CC]OG]HS3_P!L'XC:]KVNP:6_PXT+Q/\ 'BW^$FC_ !5\
M5-J$#:#\%](^(J>#K"Y34[RQ\&:?_P 2>SUMTTJ9XI..\?:W\5+_ , :OIO[
M"/BCQ9??%.Z_:S^(VK?\$V[J36);_P ):M^S5!\,O#$W[16HW4GBVXN-.\5_
MLN/XCU#XA6_P2UT0:CI#>+I?AH_PVU:?PR-&+_T_45S*C:+CSSY?84*$:<7R
MTDJ+R&=YPU4E.>1RI.,732P6:YKA5[V*E7-YXCGK.LZ5.4IU,1.JJJ]I[3ZQ
M4SJ4KR]U\WL\Y493?,YU,OP%:T?81@OYJ_$VHZGX&^'G[.GC+]D;7OBA=^#O
MVY?@G;?L+^+9M?U#6=4\??#G]H:Q\0ZIK.E_%KQS'>74DFC?$'0K+4/C_P"'
MOB!>;;3;XGM?"=N%BM[.PCC_ *,?"GARP\&^$O#?A'2O._LSPKX<T?PWIOVB
M>:ZN/L&AZ9;:99^?<W$DMQ<3?9[6/S9YY9)I7W22R.[,QXSQ%\&_!WBSXG>"
M/BOX@?Q#J6O_  YMM07P=H\WB+51X,T?5=3L]3TR[\4)X12==%N/%ATC6-1T
M>#7[JWFO;73;J2VMGB!W5ZM73.HZE/$1<53>(Q>*K)0VAAZM?$8NCAV[*518
M?&YAFU;#\[?U?#8VE@:?+2PL#D<$JE!J4ZGL<)0I.I5=ZM7$0HX?"5:TFK1O
M4P&791AZC45[;$8.OBW&,\5-'\P,?A^X\'?LS? 7XG7=OX4C\#>/OVQOCM'^
MUG\0?C-X\\7^%/!-]X*T'QM\9+;X4Z+\7_B#IFG^(]1T#X4Z7XO/A_3K>WO;
M&#PI:/;Z%INK7EAI$DHF])7QYXK_ &</@MX;_;@\"_$"T^,OPC^&'QP^+/P]
MM?"OP:UKXC?$#X96/P-^.&EZ+X0\.^'?AIXN\8>&?#Y^*7@[X;?M(Z?X0O?"
M'BWPG;ZQX0T+PGK?BKPKH.N7FG:"8+'^C6BL8Q<8U(QDX\WLJ<'"R]GA>3+*
M.+P\4U*,?K6'P%>A&O35.OA88_$^PFN>K[;IJUHUJJJ3IJ493KU*T92YI5*M
M2KF=:E7]HUS>VP]7,*56'M%5HU*N!PU2M0J.%)4OYQM1\)> _@IXVC^'/_!0
M7Q_XAL? @_8G\"ZM\"-6\2^*?$VA:3XG_:F\8^-OC'XB_:/MOAE>Z=J< U_]
MHZWNM4^%-K\/_#&G-J/Q 31OLB?#S2_(DUA9/G?2#^U+;>-M ^(/[44_B:Y^
M'?@O]G3_ ()Z>)/^"AG@[26UCPO\7/$=H_A#XAV.JZWXNU'18Y9I?!_PX\8W
MNC>._CUX&T"/0]2\36.BZ\)=;M?"^DZSX0\4_P!8-%;0DH3E.-.E_OM/&4Z7
M(WAHJCB\YQ<*$Z+DY3IU%F\<-B6JL)U,-@,%"E*A.C2J4\W-RC.,W*7ML#'!
MU:D9<F(3^K9+AZE?#U8QM0G)Y1+%1@Z=6G'&8[$U9QJTYU*-7^9_2O$NO:S^
MT#XUTKQ/\5/@M\-_VG)_VR=&OOA1/KWQ,^+5[^T'JO[/$7B[0'^&WA[X/? S
MPKX$U[3_ !E^SOXS^#5O<6-]KOAC4M0\ 6]YJ7C'Q/X\\0:+K^B>(7TGVKX!
M^-_!_P /_P!O31_ >G>)/AO^TS\1O'OQN_:*L=9\6^"O'OQ5\&?M8_ OP?>Z
M;K_B\VO[6?P&U*Y31=8^#WA>ZTS2OASX$\;>)[3P[X3>6]^$&J> ?"L^IZ[I
M.J2_OM12H25#ZIHY+#8:KAIOFM4Q,:F&RK#2E5G:3C*NLJIU<;.DH5<15JU9
MTZN&=3$_69JR=6.,348O%5O;P23]GAJGM,TJP5*":<J.&GF3C@L/5G.A1I4*
M=.K3Q"A0>'_,+_@I3X_\'>#[;]GG2_B/=^"]*\ ^)/B7K:Z]JOQL^+D?P7_9
MK$VE>"]8O-+TWXT^*?\ A%O$4VH1WMXPE\$>'/M&BV>I>*+6WFN[JY^Q0V4W
MY=_LJ-#^T#\0OV!_AQ\1=6UKQ/X%TKXD?\%2="U[X>KJ?Q!T+PK/X>\&^)?A
M_J'PQ\'>(_"WB>\M/%-WX,\-Z7J>DZMX)\-^/(Y+BUL8-!N)K5?(6 ?U T5&
M&C&AB*E><564HXI0IM*,8U,1AJ.'IUI7YXU*N%E2]I0GRPG#G<(2AK.5U*CE
M'#JG>E*C92FG>4X<N/C.G%KEE3A5^N0=2'-.$W0CS1?-%T_YT[?Q]XD_9Y^
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M>$_M&KXA_P %!;14_P""?_[:EC;K*$7]D7]H6T@6-I#,%'P@\6PQK&X)D,H
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MXD\566DZ_I&GZGX&^%%_)X0^&F@Z^VAZ6Z:#J-YIC3^($CBC_I8 "@*H
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MOOT9J/)[/$4ZSA2:IP7LJV%JJIA_=E+#8[$QP[CF6,IR:Q\I_O:$:+KT,1^
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M/!LLDZ[9<Q\7:GS0*ZC]H/\ X*1_&'0OV^/VL?@#XI_X*B?L^_L"_#OX,P?
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ML%A6XRO'GQN$RW%*I=?\NL-4SC*L#C'\=''X_#T.2<9^T7[I45_(_P#LB?\
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M2AA98:,Y6FDWBHYK.FY<T5]7Y8Y-C'56-^K2@GAI./+BJ,I?U-45_.#^W/\
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MJO!-%'(Z_17[8W[2_P"WQX3_ ."8OPS_ ."@GP:_:9\!?#O4O#G[-O@3Q_\
M$[X9:S^SCX;\?1?$WQIXLDT1I]5TSQA?^--&7X?V5K'JKQKI-IX1\0V\IB#B
M2 OM3FI5E6P^&Q5.$YT,3ALDQ<*BY%R4L_AFCP7M(RFI*<*V4U\-B814W3JU
M</4A[3"SGB:?7/!U*>-JY?.5-8JGC,VP*IWE:K7R:KEM/%>SGR<GLZD<THU:
M%2;A&<:.)IU'2Q-)4)_T+T5_+3^T]^U[^W'^R5\<OV8_@9\=_P#@J?\  7X3
M^&/C;\)?B)\6-=_:+\8?L2^$K70-$O-$F\.6_A?X>IX"3XOW"W=W?O>:EM\1
M)XMT\R'"R:*_E*:[O4OVL?VRO'/BG_@GW\&OV</^"F/P0^,B?M:>,/VM?[>_
M:K\,_L=>%G\*P:5\%M ^%%QH7A#3OA3/\59H)K_1-7U;Q;#JFNP^.-.EOSK%
MK'-8%='A^T[13G.C3IISG7Q-7"4E"TKXC#UL3AZU.I)/EH.G4P>*5Z\J4:D:
M2G1=2-;#NMRQY90I5>91I5L*\;&I-3A'ZM]0GF5.HE*"G5]KA8Q<(4(U:D)U
M%"O&DZ6)]A_2W17Y$_LF_M-_M/V7CK]MC]E#]J/Q/X$^(_QH_96\-:-\0_!G
MQM\">"V\ Z-\3OAO\0_#VOZOX.U77?AY_:.MZ;X5\2:-J.B7FE:IHUAK6K63
M+;*1?Z@"=0NOP[^!W_!8O]J7Q#X'_9B^)2?\%&OV9_CC\9_BI\7_ (:>"_&?
M_!/ZU_9FT#P-XYMM)\9>-U\,:]80_&&P^(CBVU31-'E_MNTO)O"FDVLUS]GM
MYR4+073H)8G$X?#49*3Q4,KE2J<M2S>;XBIA,-!T>3ZVIT\32J4<7_LW+A)P
MDZTHP7,.I"=+#XK$5(N*P<\5"M3;CS?[)AOKDY*JF\+RU<*X5L/S8B,J\:D%
M3BY<RC_9U17X$?M>_P#!1G]IC]B3XZ_'CX&>,_#R_%'6_P!H#PKHVK_\$R+C
MP[X'\M=;^)^MZMI?@C6/@GX[ETJ)XKZ;P5KFNZ;X\.NWD1FOO ]MJ\=Y(-0M
MK*/4OU&N/A_^UGKW[+GA/P7:?M$>%OAY^U,WAKPNWBWXW3?!?0_B)X6B\4(L
M%SXK2P^%G_"2>!](GT^YD:YTS32-;M&M($BO&6YFWJ^<).IA7BZ<)3I*5*DD
MG!2EB92KPQ>%CSSC!XC+)48K,(\ZC!8G"5,//$TL32G)U(>RQ$<-4E&$Y1J5
M.9\TH*@J>&JX?$ODC*?L,='$VPDU!N57#8VA6C0KX2O3A]8T5_,9\!OVJ_\
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M->=!5&U1C[*GA9.=:M5I8=NI35.M4_>^R_K5HK^:_P )_'K_ (*M_M#^)?\
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M+W[$W[)^N>"?A[\8/VEK#XB^.-<^-?Q \*/\0-'^$OPL^%$6B2Z_JND_#O\
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M]5TVY2_^WQ7UG)CTG]AC]OGX\?$[]L?X5?!W0OVWOA!_P4?^$/CWX:^.]?\
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MT6;X5?#+P[\/;9M/URP^+G@R!4U)]&N=3D0:8"B74-L6=K=II?RD\-?\%_\
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M3BJSJ5\OQO"6/SN2Y94EC,8EE.*Q5!5:-/$4\+FN+I4?:TL15I5#]>OVM?\
M@F)XF_:,^-OQO^*'A+XRZ-\,-"^.O[)'@7]DOQ-X?M/!-U=ZK:>&-'^,^H_$
M?QOK%CK%AXATJ!;GQ7X6U2Z\'VD1T_=IDTAU*:>^AQ8CEO#7_!$W]FW]GKXQ
M?#'XP_L0V,?[-^IZ-X=^)GPZ^,ND7/B/XK?$K3/B_P#"WXB>"+K08O#%Q!XU
M^)&K1:!=>&?%D6@>--*N["'[,][HT<%S92?Z-+;<'_P3N_:@\9_&?2/VG?$7
MPL_X*;ZS_P %.?%/PX^%/V[PQ\*O%'[&GAW]DO3O#GC_ %*W\07O@>63Q+I_
MP\^'E]XCB\77_ARZ\.W-E]LO+/2H&:_G-E,]K+)\_?\ !'[_ (*"?M5_M!?M
M':K\)?VE_P!I?PYXP\;W7PX\4:[\6OV5_BO\!;#]F/XZ_LU?%C0?$4&/"GPN
MTFP\+Z8WQB^%\&CWMW8ZUJGB?7=5\?Z ;#1M0UJTL8[N>ZU<I85.:RZ$73E_
M9N.QLKQJTYU,#C*V<XO%X251Q5?%8:NZN9U*D*?MLNH0S&-&M6P\\;"C+*O7
MJ.E5QE5\\%C<)@913A*-/$T\%DV#PN*]FI>RPN(A1IY93P]:I[#,*U3 /$X2
M%9865=?7N@_\$E;_ .'_ (._X)^:]\+/B[H7@O\ :9_8:TC2O EU\8+7P/<C
M1OC)\(KS?'X\^&7C'PW:^(+74)-$UY)9KS09+K7-0E\,:M<7E]:++]OO4FA^
M'W[!?[?_ ,"_'_QRO_@;^UG^S!I/PQ^,G[37Q<_:)_X1KXA?LH>(_&WC/1)/
MBSXSN/%&H>'O^$RM?C7H%O<G3K62*PM;V/0H$$\;W0M@KB%?&_V^O^"AOQ__
M &)OVIOVJ/"FL>-'O_ACXG_X)])\7_V2_#;^$?!O_%/_ +16D^-+OX:ZGI>G
M:JOA=O$'C2]O-5U/PQXEN?#GB#4?$>GP0WEK;VNGVMM<O"_R_P##/_@HI^W]
MK]K^R#^R9XP^*NFV/[97AS]J']IWPI^V7XJTWP%\++C^W?A+^S9X USXB-&N
MB?\ "&Q^%?#>G^.=/UCPM:Z;K/ACPSX>UR:'3[:2WN[*XNM4^U9TL4\3.>.@
MY\]5YIB9QLE!T\1Q'# \035.+=!8;+\PR3#YWFE*%J6$PN+CF4*;Q&8XR$]L
M5"=*+HUY4FG+"0;WG[7#</5,XROWW%5/;XG!9]B,HP$K^TQ.,7]G*7L,)A*D
M?T*_;-_X)C?M"_M6>)?BWX:A_;&&G?LU?M&VGPSC^+GP;^)'PWN_BO>^ ]1\
M!K86VK:E^R[KFN>-+?2/@F_C"#3H=0U:VA\-ZU;KXB:36HT^V.TK?H?^U)^S
MX_[0?[)OQI_9DT;Q''X2;XI_!SQ-\*--\4ZC82:XF@C7?#TN@VNK7FG0W>FR
MZG]C5TGFMX[RR:Y*LJS0EMP_&?\ X)L?MW_M6_'[]IO]EOX>_%OXJ?\ "6>#
M_B-_P31A_:!\9:1_P@_PXT'^V?BZW[17Q-\"-XM_M#PSX/T;5-/SX5\/:/I7
M]@Z5>V/A@?8_MPT4:E<75Y/]U^/OVB_C)HO_  5Y_9__ &7M,\8_9O@7XW_8
MU^+GQ6\4>!O^$>\+3?VGX^\,>/M&T30]>_X2:XT.7QA9?8=,N[BV_LO3_$%I
MHMSYGG7FG7%PB2K?U:.(P]/*Y)/#YI4S^#BVXN2R2GGN'Q4*M6/[Y4HT>'\;
M1RRG"4HT*-7#4XQPL)U8T,_;5<+BI8]2_P!HR:.2UH223C"6</A^O0J4J32I
M2K5*F:Y=5S.I4C&>(K8>O4J3Q,X4Y5N7F_X)CWGA/XM?L6?M"?!/XFZ%\,_C
M5^S=\/O#7P4^,NM0>#;F3P]^TG\%--TBTT[4?"?BS2-,U[2IX-6L;R"?5O!F
MOW]YK$OA^XN%@N(=1M;>WBB\@^&'_!/'_@H#^SUXO^.UQ\ _VNOV7M)^'_QG
M_:)^*GQ^70?B3^R9XD\=^*M"O/B=XJNO$-QHG_"4VOQN\.P74>G030VD4\>D
M6ZM-$]PL2"01+^G?[9'C[Q;\*OV1?VI/B?X"U;^P?'/PY_9W^-'CKP;KGV#3
M=4_L;Q5X3^'/B/7O#^J?V9K5GJ.CZA_9^K6%I=?8=5T^^TZZ\KR+VSN;:22%
M_P"4']D__@K)^TEXN\;?L$'1_P#@J;:?M7_%+X[_ !6^'?@OX\?L?^/?V-OA
MI\!?"?@WP[XR\-:]+XRN]/\ V@=.^''P\M=8U[P7JEO80^%+3PSXFEE\5:[+
MI]O!H_B&SDN-&OZP]26+S65&#<<7.O"+;5Z4ZG%F;?6:E)8>BJE3ZM6S;)XX
MW%/ZLL%@:U66*J3HQQ6)FU4H/"Y3"N^1X2%*LXQ=_:I<*97R0G+$55&G]9AE
MN<RP6$Y\3]:Q=.$<+%3CA,-&/])/P*_8EU+X6_MD_M>?M9>+/&WASQH_[4F@
M_ 33E\)0>#GTYO".H_![X;Z7X&U:]&HWFKZI'?VWB6]L)=5L[6&SLGTNWFCL
MII[YXC<O1^*W[ NC_&#]O'P?^UKXTUOPWK_P\T3]DKXA?LO>)/@QKOA,ZHGB
M>W\?>+XO$=SKDNM3:D+*"Q@L5FTN32VT:6XE:;[3%J$&T1U_/7XF_P""GGQ9
MF_:K_;B^'7QE_P""T/B3]B;3?@Y^U;\2?AA\(?A3HO\ P3Z^'/[0L%Q\--!O
M(X]'U&7QMIOP2\07R36MS)<Z/]F\1:O>ZU.E@M_=7,PN5D;][O\ @HY\3/VD
M_@+^P7<_'/X"?$VYO?B+\#A\+OB/\0-=;P+X+NS\8/AGX<N],3XNZ?>>&M:\
M.:QI_A=O%GANYU+Q)&WA6UTG5M"O[.VL](U"SM//@FYZ;HSRS*L;*,*>7PPV
M%H8;VD5.CAL#GV Q-#$SQ4J7M<-[/"9;F^)>8TYU:N*P].I/V%"M6PZC3VK0
MQ-/,<9EW-.IC93>'FZ;E"IB,1PUB,OIX.EAO:JCB95*V*RG 0PE>%.%&O.%.
M>+KTJ>*YZWQEKO\ P1J^-,'[)4_['O@?]J_04^''PT_:T\%_M&_LJW/Q!^&>
MM>,M0^$'A#P?XBU+Q98?!KQ&(O'>E)XQ\,Z?KEY&VBS6CZ +'3WOM/%L;>:U
M2S^_/@S\"/VYHD^)'A[]IC]IOX*^*O!OC3X=:YX5T*Y_9P^ WB;]G_XB^$?%
M>JM!;V?C"P\;2?%KQI*)=&T]]2;3[>TL;&[@U:6QU"+48Q:/#/\ &'QD_P""
ME'C6P_:)^(OBSX7^)!JW[,?[(?\ P3SUO]KOX\^%=%TKPOJ"?$CQW\0O#,OB
MOX,^!?\ A+]0T'5->\.&W\+Z>?$3GP]J6E_:K?Q!IMUJ<=[90M;MX7JOQV_X
M*C? _P#9>^'7_!3SXD_M5_#OXF?#+Q3!\-?B-\1OV(H/@!X!\->"?"'PA^+5
M[I-N+7X<_&?27B^+>J>./!>EZ_I.J::_B[7+_2M3O4U2#5(;Z(6=G71'GG&M
M0K^T5&?^SXVIBW.I&C6K3Q/"-">)=ZE=XG&PX8KN.-I1J3C3P,,RQN(P]:M2
MJU<).T:&(INESNV(P<,-&%.52E&&$XIJ1H6C##QP^&_UBPTWAISITF\=/ X6
ME6ITJU*C])?!3_@EM^T)I/Q_^!/QF_:=_:YT#]H#_AECP+\2? GP6UBW^#B^
M&_C'XEM/B!X=O_!PU7X^_%W5O&'BG7?B;JMAX<O%DNIX8=#&L^(8VU[4Q<ZA
M++/)1_8V_P""?/\ P4/_ &.O GPI^"WA;]K_ /97\0?!GX;:NA?3M3_9%\2G
MX@ZIX;NM?FUC6=.C\:_\+Q\BUU:YAN[NUL=6;0IX[)FAE>RN%B,;^/?MF:G_
M ,%(O#?[</[)/PQ^#W_!2_Q'\-/A7^W'XZ^*5OX>\(K^R3^S!XL;X&:!X(^$
M^J?$C3M*T[7/%?A/5/$'CXW4VE?V9-=^(-5L;R%+I[DSW!A2%ODC]JC]O;]H
M+X&?MZ?%C]ESXT?\%@O$?[)7@7X4?!#X ZGX:\7:;^P?\*/CG=_%SQ]XF\+M
M-\0=9OM'T+X0^+;WP2US>0P:V+ ZB-#A?4WT_18((+3REBA6FIX.I).CB,7'
M$T_88F5"\I9=5QV:8V.+_>3PE:M3Q=;$QG:K6EC,17A2PWUFFXN-5**:QE",
MHU:=/!X#,)5:%.O*V%Q&)IY%ESPMJ2Q-&$E7G*,%3I1P^'I5L1BO835/G^W/
MC/\ \$+-$^-WP#_;0^%GB3XQ6>G^/OVB/VQ?B?\ M<_!WXI:/X/N[34?@KJG
MQ(NC#J'@_4($\1"\\4Z1J?AJYU3PSXI6RU+0+?6[2]BF^R0R64"U]H?&K_@G
MYK'Q8_X)B#_@GQ;_ !.TW1-8_P"%->"/A5_PM";PM=7VF_:/"/\ 8OF:U_PB
MR:W;77DWW]E-LLO[<WP>>-US+L.[\^/&/Q=_;9^*OQM_X)R_LW?L\?\ !2_7
MM+T']H']ECXP?'#Q3^T_'^R/\!KC6/B__P (YJVBZOX-UR;X1>/_  +:VG@(
M3>'?$%OI3:7I*^'F1+1;S4]*DU*:;9]V_P#!.7]H+]H3Q5X__:[_ &1_VIO&
M>B?%KXQ?L=^// FE?\+OT#PEHO@*'XK_  ^^+'AJ_P#%/@C6]>\&^&U@\.>'
MO%]C'I6J6&N6?A^RLM',0TYX+<7!NI)=*.%=&GB<'33I4J,:$_93C5@Z]/@_
M%T^$\/7A&K!5*4\/*-*BZ>*CAL7B:,(UL30E4ISY2IC*LJN#S2<E.M.M6JQK
M1]E-X:OQ0GQ!6I590;HU(8BJI5H?5I8G!T*]:4*%2,:[Y\7]JG]@G]HGXF?M
M(?LY?M-_LY_'WX3_  L\;_ 7X*^,?@U)I_Q8^"NK?%SP_P"(K#QG<:/+J&J1
MZ;IWQ!\$&PN($TE$MA)<79C:1GW'I7E7Q3_X)^?\% _BCXS_ &4_C=??M?\
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MP\NKC6[75[*"U7POKNN7]W+!J6E:N+D0Z<+9[-K4,?,_!_\ P1STGP-\9?\
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MC4K*$8T_:2HK+5'F=-1;C*649?4JQ;Y:U:C*M44JM?$2J_C)X]_8%_;<T/\
M:[_:R_:5_9:_:Y^"WPFT?]K"T^%MIXC\,_$']G;6OB=XA\,GX:?"[0OAQ;7F
MA>(+?XJ^%M+6\G;3+O6(/MGAZ[MH9+BUM[BVNDMY?M&+XF_X(YZ2GP^_9)^'
M7P^^+[:3I_[-GA+]J[2O$6N>*/"JZOKOQ/\ %_[4G@&;PSKWC2^;2=4T6QTF
M[M/$5W>^([ZSCMKF.^AG73[>2R,?V@_MK17-]6H_5*."<+T*%/#T:2<I2J0H
MX7VCH48UFW55*,JDIRI\_+4FH3JJ<J5)PW6)K1Q$,5&2C5A"4$XQBH/FP=/
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MO"EK>VT#?#[P1>Z[XPUG2M9\0_;WF\5ZA)XGDBUJ>VLY[NVFFMK62UR?@/\
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MN#+%^9W@K_@C5^T_/X%_9O\ @#\??^"E ^,'[*?[-_B[X:>+?#WP:\*_L<^
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M+$4E0K/GI+#8C!J-E'_9L5A\TPE>GS149/GP^=9G34W+GA]:E.G*$Z=&5/\
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M&O#FL_"M?!FE:/XD\+:#!IL]KK\-O>0C4[ZVEMW7^P[_ (49^T%_T>S\5/\
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M+FE*>,PE25/$8? 5I5HUH^SP6/>*QN&;ISI4I8GV-+#TJ=.7M?Y<OVC?VO\
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MV^TS%-/'/-YH^SQ3;)-GSFO[;G[/4UW?P66J?%/5M/TKPQ;>,-4\6Z%^S?\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M#I&N^-=%\*_$9OAWXCAOO%VD^'VU"?P?#J[Z?;7T4%E-VW[5W[-/CKXW^(O
MWC7X>^)_#GA7QA\+?"?C:[\ :MKO]J[=/^)]QXE^&WBGP3=W:Z79SSGPE=R>
M!]2\->.EM9X]3N/"WB/4;*PM[HW<RI]LT4Y+F<&N:'LJE2M1<)S4J-:I0>']
MM3J.3JQKTXVJ4\1SNO'$0AB/:.LN<(2<&FU&=Z4:%13A%PKTE7J8B5.M324*
MD*CJSI5*;C[.6&:P_*J,8P7Y VO_  33\?ZUINH?#_7?CUJWPX^&ND7_ (\\
M6^$[_P"$5EX*U3QIXA^(?Q.L-+T37?$OC*W^+'PK\8Z)H$GA73_#R:CX3O\
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DH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>specialp2.jpg
<TEXT>
begin 644 specialp2.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
M A$#$0 _ /[^**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MAI^U%8?\%L?VR?V@+W6OC]X1^%=KX(UW7/B_X6T6TGU;P1\2/'L>O:HGB/\
M:3^+&@>)K"W;X<C2KGPIK'A.33M4BUEIKNZ\FR:QOP%"+:2FKO;W9?Y']ZU%
M%%!F%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5
M\[?M0?%WQ1\#/A?)\2O#>C:=XACTC7M)TG5M$O-/\0:A>ZF?%_VGP?X.LM&7
MPXMS>VMW<_$_7? =OJ=[-INIV=MX8EU^26"TD$.JZ?Z3\6?[<_X57\3/^$8_
MM;_A)?\ A7_C/_A'O[!^V?VY_;G_  CFI?V3_8W]G_Z?_:WV_P"S_P!G?8?]
M,^V>3]F_?;*_&7XO^+/V\/#6@>-K@?$W]KFV\*^,9/$MA8P_#/\ 9N\)>/\
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MU#PU<>(_#7BG18K[PWJOYN_&7XE_M>> ?'^@_LS>%_C+^U1\9=7TWXN6<O\
MPL;X$^#O^"?>@_M(>*OA[XI^!/CGQW:^#_%[?M%^"/ W[*37G@KQIX2N]3U#
M6O"7@?X>>(K[P!JW@C2X])U37;?7O$/B?]@_B3\-?!'Q>\%:Y\//B)H,7B+P
MEXABM5O[!KO4=+O+:\TV_M=7T37=!U[1;S3?$'A;Q7X9UVPTWQ'X1\8>&=4T
MCQ3X0\3Z5I/B;PQK&DZ]I6G:C;>:_#G]EKX(?"H>')?"'A?6GUCPQXK\1>.K
M7Q=XO^(?Q*^)'Q UOQCXJ\+MX'UCQ+X\^(WQ&\7^*_'GQ+UEO!/V3P=IE]\1
M?$7BF?0/"FD>'O#N@MIFC^&O#]GIN,(KV>,C.4XSK8WV]"I!\[C@U#)_9Y<X
MU/=H1IXK X_$U,91YL1B:68U,#44,/>3%*<88-<T*LJ-!4L1&I1C3C5Q+6/C
M6S+VM-^TG*M1Q.$H4\MFE@\)4P,<?2G+$5IP7B/QFM/C+?M^Q[\)/#?[0_QQ
M^#NK^/-5U_3OB+\1M)\-_LMZS\8_$/\ PB/P5\2^)_L?BF#Q/\$OBA\"M.UG
M4/$FF6M[XJF^&WP_TK1&OX+BV\(W&GZ!+%!)\E>/_P!J3]HW1?@_XQ@TSX@Z
MS>>-_ ?[.G[<E@WBSPSX3^%4/B?QG\3/V:OVFO /P)\&?%'3=+\7Z#)\.M-\
M9:[HDNM:G<^&[^TLOA1'XK\1727V@0Z#INFPZ;^FWQM_9W^&7[0=IX3MOB+_
M ,+%M)_ NNW?B/PGK?PM^-OQK^ OBS1M5U#1-1\.W[P>,_@5\0?AQXMFLK[1
M=5O["]TB[UJXTB[CF62XL9)X+>6+'7]E'X KX5T3P4/ *_\ "-^'OAEK_P '
M],LCXG\9&X_X0'Q7KGAGQ-XGT_4=5/B(ZOK>L^(O$?@_0=>USQEK5_J'C35-
M8@OM1O?$,]WK6MRZC=_:8FI5JKV5"K4S*52CA_\ J,R#-,!A:E#VFF&^I9EB
ML)B*6&AS48^PCF"D\;AJ%*<ZT\/1IT_WM>E/!2C7K_:I8;&T:V(PU:$+1Q'U
MVE#FJ8N?+7AR/ 0C]4QE></R>M_V@?VMF^#WQPTO3/&/[:@\8>$?VGOV</@A
M9:7\0]'_ ."84?[:VB:YXRU70-1^)?ASPQI_@32%_8LA\(>(O GBWP!JOPP\
M1?%&$ZS?OJ_C756UI]#;P1<I]2^%%_::\?WOPT^"%Y\?/VJ/@%XBC^&7Q$^,
M7B[Q?\6?"7[!'B7]I'6]1M/B+I7@OP5X)UO_ (5!\-?B/^RG#\.M,TZXU;Q!
MXCB\ >%C\0M0M-9^&T-Q\0O"6I6_BS2];^N_BA^RI\$?C!<>+[WQGH'BNWU3
MQU_PK&3Q)KG@+XK_ !<^$OB*>^^#>N:SXB^&^M:7XC^%'CGP5KOAOQ)X=U+7
M]00^)_#>H:1XBUG25TWP_K^IZKH&B:)IFG\7K7[#7[/_ (C\&^'?!.N/\>=2
MM_"MSXGET/QC<_M>?M<-\8[73O&HTW_A+O"=Q\>A\<%^-VI?#SQ))HF@W6M?
M#35/B#>_#[4+[P]X=U"Y\,R7OA_1KBR5)R49NM&$IRQ=2K-0<E3J4?\ 57+L
MHHPHI^_@HT^(</B>(IT%+%1JWA@:E>7US,,15UGR.I25*<Z5.&'HP55T:=:K
M"M_;&88_%2J4)R6'QL:V5XJCD=*=1X>IAU&.9TE&K@L'A(^&ZQ;?&SQI\>OV
M7;SPY^W)\1;+P'\5_AKXL\:^*_#/P.\+_LH:S\$O$VK?"VP^%(FN?A_KWC_]
MGSXJ_%"U\#?$.]\3:_>:O#+\7]?U>ULKNTM_"OBC0GLUNY.!D^*?[2&C^%O#
M'[5%Q^T!KNK^&/BA\6_&GPY/[,\_P\^$L/P^\!^$;_6_'7@KP'>^#-?L?!%M
M\:&^+/@74/#/AKQ1\2M3\=?%'QSX$UJ.+XH:=IOPT\*6MQX5D\%_I99_"KX>
MZ;J7P\U72_"VG:1<?"?POJW@KX=6^D&YTG2?"?A/6[3P[I]_H.EZ%IUQ;:(-
M.^P^$_#UG90SZ?-_95MID4.E&RCEN5F\AM/V-?V=++XE:Q\5H/ VJ'Q-K-[X
MLUG^Q[CXC?$^\^&&@^*O'NG7VE>.O'_@;X)WGC.?X-?#KXG^-+#6/$<'BWXI
M> O 7AOXB>)/^$P\<S:SXGO9_'7C"76^?'TZU;ZS#!UO8QG];E2G)<DYQK5\
M-4EA)1AS_5(XNC1JX:&.P]2IB<B59U\KI3J.47I@*M*E&D\524I*A2IRI1MB
M(PJT\+B:-*NL165*IB'A:M:G6J0JTH+-I4HO,&I0@U^8_P"R3\<_VU_B-X<^
M+7AZ/Q)^TMKWQ7L_V-O!_P 4]&T+]K33/^"?&BZG<?%'XI:?//\ "KQ=^SQ:
M_LG66AZ/J?PVUQ] ^(]KJ[_M!W,=K:>)]'\!^'[B[T.2W^)$=M]N?LT_$CQO
M<?"GXYZ9XP^)7Q\\3?%+X;/J=_J/AS]J'X6_!3P'\;OA>U[X,74-#TG6]5_9
MV\-^'_V<_BUX5U*^TO4?$/@_X@_"6R\0>%;B"ZU+P=JGBSQ!XD\)Z_;:7[WK
M_P"RU\!_$^DZ7H6M^ X[S2]&^#>I_ &PME\1>+;-D^%&J2^%[@^&[FYL=?MK
MK4+W2;WP;X?U'PIXLU">Z\9>"]5M[[5?"'B#0]2UO7+K4M;X9_L_?#3X3>%?
M$?@_PO%XZU?3O%[W)\3ZO\3_ (O_ !>^-GCK6X;BP.F+8:A\3/C-XZ\>_$:;
M2;&Q>:'1M&/BD:3H/VN^ET6RT^:_O9)^C./]LHYQ3R__ &26*R_,<+EL_P"'
M4P]>IF^9U\MK3J4;JA.&6XK"QQ=?#4I5XUZ%#!X9QP>!E5S+#*W]6JY35QW^
MTK#XS+\1F-))5*=:E2RO+L/CZ=.-6TL1"KCL+B*N'H8B5.C[/$UZ^(53%8B/
MU3\1OA9^U-^V"WP0_:'U;6O'W[6\?CSP?^Q-X)^,H3]HCP]_P3=M_&]MX^^)
MRQR?#CQK^S!I/[..@Q^#-8\!:Y#HGQ+L=3E_:4LM0T_3O$VE>!=&FAL+BS^(
MEE']C>$-1_:CU'3/AI\(?$?Q7_;1^#?BGXQ_%+QG!?\ Q&_:/\/_ /!-G7_C
MAX7\#?#OX82^+/[,^$$/[+?@?Q]^S=;CQEXG;3H)KSXM^#/'GBR#PWH7Q*BL
M- T:2Z\'^*M(^T_%G[*'P%\:^';/PMK_ (,OSH]A\%M6_9YM5T7QS\0O"VI)
M\(=9?PO+<>%WUWPMXKT;79[JQG\':%=>'?%4^I2^,?"EVFJ7?A?Q!H]SXB\1
M2ZKR2?L1? <^"KOP'?W?[0/B#3)O%.G>-=+\0^+_ -L/]KWQI\3_  5XITS2
M]2T*'6?AA\9?%GQSUKXN_":ZN] UK7/#NLK\,?&_A*#Q#X=U[7] UZ+4M(US
M5K*\Z<75HU:^)GAZ/LZ,_:4\/"5H.%*/$..QN&G+V+C&.)64U<+2Q$XJ=.HX
M2RI4OJE&&.K886%6G1P\:]7FK1A"6(E&"JQ=;^P<+@<1"#K.\L/5S&E7K4N:
M-.MAG6_M*,ZF,_V=>*7-[\=/BCXR\!_L\^&_VQ;WPE>^#/ /Q0\3_$3X[?!/
MP3\"-;\??$3Q)X,^)5I\,O#?A+4].^)?@#XL?";PKJOA>WDU"Y_:"TGPY\.-
M*U&X^(QT*W\'R?"OPX;_ ,(7?RAX-_;C_:*F\;^/-*\6>+M!N3XA_98T#PY\
M*K'3?"FC:1X7E_; L/'/B_X>V>O^&TGTW6-?N-!^,][]G\7:/X3\0^,O%5OH
MWA?P7LT*QU"277=0O_TF\1?L4_LZ>)/ ?P\^'<WA7QAX?TCX5VVM67@CQ#\/
MOC/\;OA=\4]-LO%4B77C>SU'XV?#;XB^%/C'XGM/B-JL5MXC^*-MXJ\=ZU!\
M4/%UCIOC'X@1^)/%.F:?J]MOO^R1^SE_:/@O4[;X5Z%I<GPZU3X;:QX$L-!N
MM;\/:!X3O/@_X9\7^#OAHFA^&-"U33_#=AIWA'PUX[\4Z5INCPZ4ND/#J$$M
MY8W-SI6CSV'!B:=2K@IT*=5K%U*N/A5Q7+[!5J685LYHQQE.G1ES9?7RK+,T
MH+ 9?@ZBP\\PRS XNKBX5:$*T>A2<:JJ0452C2IRH86<85OJU7"++J]'"SQ5
M6,JF94L;F& G4QN/QE%5Z>#QV+R^&#Q."G4P]7\K?AC^VI^T?%)I=OXS^(EM
MXEN?B9_P3S_9V\0_#(WOA/P;HUO)^V1X_P##Z-#?JFA^$[/[3)\3]2\41:O/
MX5GO[K0M(T[X>WJ^$_"D$4VLB>Y\%OC'^V'\9_'OP'2?QS^V;K?ARX_9K_8E
M\=_$'6_V>O#_ /P30T7X1KXN^*FAZ]JWQ*\3_&2T_:-T"+XY1V&NMID6H:AI
M/[.]E=+I/AN&^MO!^EVGB:2RMY?TZL?V._V<=./P]:T^&\:'X57'PLN_ /F>
M*?&UR- N?@IX3\6>!_AC,HN?$DPU%_"_ACQQXGTZ,ZN-0_M5]274=<_M/5-/
MTR]L^3;]@_\ 9TBUOPEK^AP?'#P/>>"O!?P[^'FBV7PP_:T_:R^%/ARY\'_"
MB&ZMO .D>*?"/PU^-OA7PIXZ_L*TO;NR?4/&^B^(=4U>QN);'7+W4[1S#7HS
MK498['8A4E&A4SO#XG!4?9P<8993K<18VM3Q%&+A34YXC/:."67X:5+#/+\G
MRI3QDG@L-0I9RA%4)4H.3E]1=&$Y3FIPKN&!PMHU'.<FUALKPM?Z_66(K_7<
M7FE18>-7&XS%XWX'^&?[:'[1$VI>%?AE\2/%VF_\)SK'[07Q^U?PKXCT_P )
M^'=.A^(_[,MM\-OVQ]1\":;/92:9-ID'BOX0?%7X*Z;X2\67/AQ+;4+S0-$^
M&GB/Q/*I^*.HZ;?>C_#[Q1^UWX8\%^#M%TC]H#Q[^TC\2/VC/V'_ !U\;_ @
M^*OA+]G#PSJOPZ^,7@C3_@\MK9>")OA7\)/@CX-U#PYXIN/C4%M]*^*]MK=O
MI^N>$_#T=[XPLM"U?Q 5^[+W]DW]GG4;[X7ZK??#/3+G5_@OJ/Q5U3X8:Q+J
MOB,ZSX1N?CAI_B#3/BO#9:L-9&HW6F>-;3Q/JO\ :FBZE<WNCQW2:1J%C8VF
MH>'/#MSI7#>!OV#/V8_A_P"%?&'@S2_"OC[Q)H'CCP)9?##5D^*OQ^_:$^-N
MJZ3\/M-+R:?X0\!^)/C)\4_'GB3X8:'8W1M]3M+/X:ZMX32WUG2]!UN+;J_A
M[0KW3N&C%QIXN-5RG*K@,-A:$H3LX3PV"XGP7M$YPG]7KXEX_A[&8G'0C6KU
M,;EN(K>RY?84WO6G&=;+JE.$8T\/+$3Q="4;*O6Q&,RC%>UE4IRINM2P\\/F
MGL,%R8;#QPF+H94W["-7$RR/V._B#XAU'PI\3-#^)_Q,^.WB3QI\/O$L%QXK
M\/?M4_#7X+_#CXS_  MTO4_#UI>6FE^(M?\ V<] \,_L[_%'PAJ#:;J_B+PI
M\2?A%!K?A@VMSJGA+4O&.N>)O".O0Z5X)_P37_;Y\.?MCW7QBTB+XP?#OXH:
MW9W&C_&_PA9_#_Q!X#UMOAY\#_C'X@\;:=\,OA;XQ3P9>3W6G_$WP!8> VF^
M(.D^+K.S\5:1=>+=#M]6$_GV\I^T/#'[+GP>\*?#/X@_"2TM/B'K_A/XJ:3K
M>@^/[_XA_'#XX_%3XB>(M%\0:'/X<OM)G^,/Q-^(OBWXN6>GVVCW=Y:Z#::;
MXXLH?"[WM[>>&4TB]O+FYE]"A^%7@"V\9^$?B#:>'(+'Q9X%\!>(/AAX6U&P
MO-3L+;3/ 7B?4?!VK:OX;?1K.]@T/4+,ZAX!\*W&FS:IIM[>:#_9]S%H5SIL
M&L:W'J._-"6*J5*JM0G@J6'4:$52<*SPE>IB9QI3G5CR/,L-E-+#5?:+'TLO
MJYK*KC:U:K*CB\.7EPL:<7-UUBZM;GJR4HJE'$T8X>,Y0A3J59U<!B,S=>G%
MX?!4<=2RVI3PM:E"*P?YH^+/VF_VB?"WPZ_X1ZS\2:?>?%CX(6?[19^,?BSQ
M#X2T!M%UFZ\(>)K?X5? '4?&OAW2(M%33/#WCZV^)7@_]H/67\#W'A"2ZT;X
M;Z_X>L=4T+3[_4;(2_%>T_:=^%FC?'#X8K^V]\;_ !%J_A[]FKQ'^TSX*^+[
M_#/]D:S^)GAOQ)\.4US1]?\ ASX@LK?]FV3X1ZI\*/'-U=^&=:\.VK_"BT^*
M&D7OAOQM;-\5M7TW4-/L] _0;_AGOX+R>)_C/XOO?A[H>L:U^T/X=\/>$?C2
MOB'[;XDT3X@^%O"V@ZKX7TCP]K7A?7KO4?#":,/#^MZII>IZ=8:/9VNOVUY)
M_;\6INL3IQWP_P#V1/@-\-/"_P 1?"?A_P .>+-7L?BSX>/@_P ?ZU\1_B[\
M8OC!X\U[P7'I>JZ/8>!U^)OQ:\?>-OB-I'@;0;/7O$3^%O!>A^*M-\+^$M1\
M2^)M9\,Z3I.K^(];OK_CG3JSH<OM.7$/+:U*O*#E&EC,REA<SAAJM):SRG#8
M+'XG+LP3PTL57QU/+WEN-]IA:]23[Z5;#PK\TZ?-AUF6$K4J?L:<JE#+EF&5
MXO'8>I-R2QU:M@J&9970]K&C"C2Q%'%PE3Q/M&OST^*>K_M=^&?%O[/7PM\$
M_&W]OSXS/X@^!'CCXI>-?$OP%\/?\$H-(^)5_K4OB[X<V6C2>-C^TU\*?A7\
M+;;PCH%EXCU72- L_A?X:M?%%P\L=QXL?66ACU$>H?M,_$+]HNS_ &SOV4O@
M3\-/&?[2]OX'\2_!7XD>/?B5#\!M(_8BDU^\U'P=\3?@5X4L_%_Q7U+]J+PY
M+:V_P^T[2O&OB)?%>E? **'Q_=W6IV\_A7P_<K90K:?7/Q4_9&^#'QBU7P;K
MOBEOC#X>UOP#X7O_  5X:U?X/?M+_M*?L^:G%X4U*YT:\N]"UB^^ OQ:^&UU
MXIL6N] TBZ@C\52ZTUG<6GG6;P23W+387Q:^'?Q'\->,_AG\4OV??@K\)?BQ
M\2_!_P /_%7PC?Q%\=_VHOC'\([KP_\ #G7]1\#Z[<Z?97N@? G]I<?$35O$
M.M^"-$O-;UWQCINE>);&3189[?Q)JIU[6X1Z-*K1CB,OJSIITL)F7$.+KTG"
M,UB\-C(\4_V#A:J;A&5# /,<@AB</)2=L'B*M/$U:F$R^,O)]G6>%Q-%S3KU
M\MR3"PK*<X>QQ6&_U8_MK$P>K57%O+L]GA<135)_[=2I5L/&&)Q;I?CO\=/V
MT_VNOAY^S/-^UAI7QV\1D_M#Z'^VEH?@_P"$^G_"SX0ZCX8_9HOO@KX8^*WB
M[X5>*O!5V_PZU#Q[XE\8Z/I7P7O- ^)^C_%O7?BCX9\2^-/&=[/X<\+^#M.T
M'3?#=S^DW_!.SXQ^.?C'H/[0-WK'Q3^)OQO^&_@GXX-X$^%/Q0^-_P +O#OP
M5^,NI1:+\./ ,OQ.\)^/?AEX?^$/P"?P_<> OBU>>,?#NF2Z_P#!SP/XAO+*
M'9=0:W86FF^)=8^9]4_8T^-6MZO\3]7U7_@G]^QA>CXO:)\0?#_C#0)?^"JW
M[:__  @]G8_%J]T[4_BK<_#WX=I^P.O@+X0:]\3-5TJSU;X@^*/A)X;\$>)O
M&>KF\U7Q'J^I:CJ6I7-W]#>#?#_[<?P^\7_$[QUX/_8U_8IT;Q)\8]9\.^(_
MB-,G_!2;]IV\TK7_ !#X6\*:7X'TC7H?#6H?\$X;OPSH.LMX3T/0M$U?5/#F
MD:1?>([30]%/B*?59M(TZ6VY\+^ZA:K[_-DM/!*%O:.ACH9CA,3[7ZS6<JF+
M7U6GBJ+QTJ6&S"JZT:5:53#+V<>NNG4G>FTK9CC,1.;Y::KX:O14*7+AJ+C#
M!U%5C&:P<*N(R["4U5CAZ4JU=8BA\[>)OCY^T'-^TC\8M,\ ?&?]JK6]5\ ?
MM W/A)/@JW[*GAN7]C_1_@M8_"7POK_BKQ#JW[3LO[+&GFT\:^&(]9UGQGHV
MD3?M6ZEK6J>-;'P]X+G\":CI6LR:(?-_V=/VLOVKK/P%\7=:\9>*?VA]5\6>
M%_V1_AE\4I;']LSP_P#L,V]C8?$+XS7MIIOPN^)?PDT?]A^/POJ^N_ -9;'X
MB7_Q*7XK:I9^(+9?#/AKP_H>HZ!KUOXZ6V_:WP=\/-&T[PUXDBU/PKI7A_6_
MBI<2^*_BQHNA>*?$/BC1+CQMXA\,:-X?\5)HWB/5[#PYJ5WI26FD6NE:?J%K
MX<\'?;;2RAU8^&]#U&]N[9,"7]G+X)W,>A6U]\/M(U73_#_P:UO]GNVT?6KC
M5-;T'5/@QXAC\.0ZM\/_ !=X?U:_O=$\=:+/!X6TJ"!O&MAK]_803:[!I]Y:
MQ>*O%":QE@XRP^$5"LOK55Y-DN$J5*E2=_[0PW"^;9;F]6E425>$,5G4\IQV
M'QDJD\:ZL\QS.JH3P^6933K$25;%>VIOZO368YK7A&%*G+EP=7B/+LSRF$Z#
MY</6E1RN.:8#$X9PA05'ZC@(U*]&6,Q<_P QOVB?B+^T1^R^[?"G7_VO/VA?
MB#IWC6?X%^)H?C+X8_9[^"/CW]I#X<V6L?&O1/AK\2O#'@_X<_"+]F'Q#X)\
M<:1XQTG7-)O/ &DS?LY>-O'V@W>E_$"6X\1^*;:71$\(]%\(?$G[57QQUG2?
M@R?VE_VB?A+X;TZQ^+/Q+\+?'7QC^SW\%/AO^U1\9/ 5EXJ\(^$_ %IXS^%?
MQ?\ V=+/P#\/-)\/:_J_C^U\1VW_  S3X \<^+/#NE_!_P 06LWA*+6O$$_C
M'[A\ _L:?L]?#BWFCT'PMXLUB_N/%'@/Q=+XH^(_QA^,_P 8/'C7_P +M0FU
M;X<:0OQ#^+/Q!\:^.H_ W@;5;O5-3\+?#6/Q$OP[T34=>\37UAX7@N?$_B&7
M4^O^-7[.'PF_: C\.M\1M,\6Q:MX3;5E\.>+OAM\5/BM\$/B%I&G^(8;2#Q)
MX=M/B3\$_&OP]\?CP?XH&FZ//XJ\%/XD?PEXGO?#_AK4->T74+_PUH-SIVM&
MU.$?;MXRI+'YQ.NW&.$A5P&.RW"4LJ5.-!R>&Q.28^A#V4,/*GAL?AZ6+Q./
M5;&9W5_LR:K53$-T7]4H1PN4*BU3ABJE/&8*>*CF7/1K.%+$4,WPV(G&I+$5
M*M3"5ZN%KX2%.6389XS\VD^/?[3NH7GP3^+/Q&^(/QA^&7P7@T/P-HOBOXA_
M!/X1? CX@_LX^)/B-X=^*7C#P5\4+OX_>$?%%IXS_:Q\"^ ?B5!H7AZ3X>^+
MO@WJFD_#OX5>'_$C>*_BK\4$L--O+F#SN3_@IU%XG^)G[;7P_P# WQZ^&NKZ
M]X;T7XK7?P&\$^%]7^&/B/QK\*'_ &7?%G@WX0_%J;XB>'86O_$EI>?$OQYX
MEU/QA\/;7QQHMS8ZGX(\.W^K:#</IZM&GZ9ZA^Q3^S=>^)?"GB:R\$:[X1_X
M0[P]X.\):=X/^&WQ3^+GPK^$VL>%_AZ)8_ _A[QW\$_AMX[\*?!_XFZ-X6M)
MFTS1-.^(_@;Q5:6.BK#H<,2Z1;6]E%8\6?L9?LW^-_A-X ^"'B'P#?2?#CX7
M:;J6E> ]-TKX@?$OPUKV@VNL^!?$OPWU=T\>>&O&.D>/M0U#4_"?B_Q!!?ZO
MJOB>_P!6N]:O(/%T]Z_B_3-*UVR<).%6=6I;$13SN,<.X0PU.N\PG3JY?BZE
M6E&4L-6RZM2O2P>'A+ PP=9X&%-RISQN*B45.BZ2<J%24,H?UB$G7E36!I5U
MC<)"G5Y8RIX^I]4]KF%24L=-PQ55\BKTL-A_&OVX/$'[0GAB]\"ZW\.O%7[0
MGP^^#^D>'?&^I_$SX@_LT_#;]GWXR>*O"?B&UN?"Q\*ZQ\3/A7\9O#OC#X@^
M-_@_IFCGQ9>Z]X:_9@\):]\;M:O8X(-/DT:RMX[JY^TX]=U+Q!\/8_$O@"\\
M,>)]6UOP='KG@O4+VXU'2/!OB"_U+15O_#U]=75E!K^JZ;X:U6>>TN)9K2WU
MB_M-,G9H8[ZX11+\SW?[!/[/%_8>'[.^N?VBKR[\-OKD=EXHNOVT_P!LZX^(
M&HZ/XCGTFZU;P?XK^)4OQ]?X@^./AW->:)8WMK\-?&GB;7_A_IE\VHWNF>&K
M.ZUG6);_ .P;&QLM,LK/3=-L[73].T^UM[&PL+&WBM+*QLK2)+>UL[.UMTC@
MMK6V@CCAM[>&-(H8D2.-%10HF$8+"UJ%1SG.==U(5+RC54*LL4Z].>(C-34(
M1EA(8*&'IX=X=0Q#K5<5.="I0J<I/$8>K",(QI49TZD&DZ<YQ>&>'G&BX<KG
M+DQ4L7/$3Q"JN>'AAZ>%A3Q"Q7Q-\-?VC=5\!_L%2?M.?M#>*-,\1:K\.?A)
M\0?B)\3O$^E:':^#M+UM_A\WB:YU*;1O#D=[J,.A0:C%HBVNCZ.^J:M=0&:U
MM+C5=6O?,OKK\V_ G_!1CXQ>*OA)\$/$_@+XR?#']H+Q5\%_CIXLT3]L2Y^$
MR?#WXA^%?C#\,="^ $WQV\66/PJUCX:S:C91^(O W@OQ;;W/A0^%3::CXL^)
M/PDU#X?ZU8)'KFKF+]J+KX"_">\^&6F_!NY\*F7X:Z3K/AW7[/PP=>\3+"=1
M\*^.=.^)&B_;-1365UC4]/C\8:59:CJ&C:EJ%WHVN623Z!KEAJ/AV\O=*N&W
M?P#^$M[\8(/CU<^$]_Q6M](T;0H_$R:[XEA@?3O#^G>/M(TE;CPW!K,?A2[O
M+72_B?XVT\ZG=:'-JES9ZK;6]U>3Q:'X?72IINK&6,K3=.K5K4<)]4I3@HX;
M"XW!XN.,^LRC2]FZM#'1E5P&-P%HT7A8TJE*<9\U)4_9.E@Z7+5BJ.(K/&.%
M6U7'8*O0I85858BK"O/!U<-"6+Q5'&4H3Q$L9+#N3BJ*J+\X?!/CWX^?M1^+
M_#VD>"?VO_B)\(M DTO]M3Q3HWB/X2^"/V9_$VF>,['X<_M>ZC\+?A"->;XJ
M_ [XFK?^$]"^'R6%HA\%ZAX-UKQ-;DZEJWB>[U6==53ZK_X63XE^+O[%/PU^
M,U_\:)?V6KOQM\+OA=\4/'?Q.\'^'/!GB?5?">G:QHVB>)/$>E^ K+XJ^'_'
MG@R"^UZZN1X?T2\\4>!?B%+_ &?J+6FF>'+SQ+>:3J-A1NO^"<G[(S^&_!O@
M[0O _C_X>>%/ 6F_$/0_#/ASX.?M$?M(?!#18?#GQ6\9R_$'QWX4U;3O@_\
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MUCPIXE3]E?6?!V@Z[IGQ,G\0^&=!T;Q!^W/HL#_#73O)T3]EZ^EET7XM:O\
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M_L+_ !V\9?&7P0FFQ^"_BWXJ_9D_9-\0_$WPA'HU[=ZEHZ>%_'NK_'>\\5:
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MW?>&/AU:7&G>#-.UC5$T74/']O\ "BWUWQ"$O_'EU\/+35]5F\+0?BO\7_\
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M5_9&C\9>*?VX_$O[8?PW\":YXG\6_M&_L\_%/1K_ .,L/QFMO@S^T1H_CO\
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M"?LP?!+QMXM\7_%WPE^TYXVUFYO]8F\<^#->^',LGA7X.7G[+OQG^'OBS4/
M6FZS#X]\-W/B;QYX2;7/$FGQ^&&D\(6[IXV@[OXS?L]_'.V^-?[%-U^RUX)_
M9K\#? 7]G#0OBSH&M:7K?B+Q3X%U/P/IOBSX62?#3X=Z3\'OA)X$^$&N>!-3
M\-^!U^R:A/X>U+QS\/;&;2K&'PUI']E1E-5@Y54G1PF+J1IU*\JE><,#AE&,
MZLJU"GBJE>K6J8BKA:^'IRJUHPP=&IB,/E>)=&@UC/906%<3C*I5C&4HTG3J
M8.K6Q":C3A@91I4YX>E1P\:]+%5*C4*V)K^PK9IA?98BC#"N>)EB#'C_ ."N
MG[ )\#^*_B7=_&3Q;HG@'P0?A7>>)_%OB?\ 9V_::\)Z)IO@[XW:MKFA?"KX
MOI>^)O@YI,>H?L^>--7\-ZQ8Z7^T?IGVSX"QRVT1OOB-:1WU@]U]8_ /]I3X
M-_M-:!XK\1?!OQ)J^N6G@3QMJ'PZ\:Z9XF\!_$+X8>+?"?C/3M(T/Q%)HOB+
MP+\4O"O@OQKI#WWAKQ/X;\4:%>W_ (?@TWQ)X6\0Z'XE\/7FIZ%JUAJ%Q_/-
M?_\ !-O_ (*PWTOQ2\1ZQ8?LA>/OB/\ '7X:_L:^&?BQXT^)O_!0G]L3QLFH
M?$+]EW]H[7_C_P"-O'G@OPSXD_8?USPU\*O"/QIGUVXTG0?@1\(M+^'7P@^
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M9>)/ACX=\,:;I]KH?B34_P!G#PEX%\5Z!XLU&\2PLV\;>-_@_P#$N>::._\
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MCQC\5O"?P@L/B;\0_AMXE_9P\4W.F?!SXKVMS8^/?'<&OWBZ!X,\#_;/@/\
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MQ#L_&FNZ[J?C'P18?#;XW:19?"RS\=S6'CBYNO@?X1;3;?3D_5#P]K7BG6_
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M^&=1^+?CSQ_<W'B;3H/A/\2(_A5X=\/Z'8>'=3^(M]-K=[JGS'\,?V*?VO\
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MKINO:=XDT-)T\3WNGW.B%M-@O[K[:KX@\ _\I(_VK_\ LR#_ ()\_P#J^?\
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M;\>=%O(EU/X%6GAR_P!!NO R/=V/B.XOK?6]/N--CAO?T1KX@_:O_P"2\_\
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MM>"O"7AK2OVXKW3?#7A[XC0^$-&\2:UJSV^K^*;7Q7?>*=8N=8UI]=ABTO\
M>.\M+74+2ZL+ZVAO+&^MY[.\M+F))K>ZM;F)H;BVN(9 T<L,\+O%+&ZLDD;,
MK J2*C$PJ?V1C:>"JTH9K7Q=3$8:I6C4G2H3J\&<'89KW_;.. I<487B&I2P
MD9U.12KXA4[8V-2NJ,HK,\'4Q$*U3 4\KP%/%1A*E2E6Q$>(.)<5BH1C3Y5'
M$K*,5E&'EB)1FG&G0H+%8KZHYK\:?V<KC_@H%^US^S%X,_;:\#_M=6_PL\8?
MM)^#-,^*_P )?V7/$7P:^$^O?LS_  T^$GC>VL-4^'_AS5O$8^'</[2^I?&>
M?P$;#4O$7Q7O?C!XG^%NE_$?Q!J^J:5^SQXG\ Z5HO@RZ^B#_P %,/@W!\2]
M*\(7_P ,?V@+3X9>+O'OQ9^$'PQ_:6L_ _AOQ3\&OBW\:_@?I?C34OB/\'O
M'A_P1XY\4?M$W/C6QE^&'Q3T7PI/XA^ OAWP?\4=?^'>MZ3\*?%7C>XUGP1_
MPEG)? S]A+]H/]G?PMHW[-_PW_;$L;']A_PKJL]MX&^'-W\#]<E_:P\ _"N2
M[35[3X&>$?VO+;X^6GAJP\ :/=_:?!GA[Q'=_LS:A\9?#/P?O/\ A%_#7Q4T
M?XD:1X7^,GA_F/"'_!-3Q_X*\2VFAZ=^TAX8U;]G3X8_M%?%W]KK]F?X/>(_
M@%<7WB[X6?'CXIQ_$'5;/2?'WQ9TWXT:-;_%;]G_ , >/_BY\1_'?A+X:Z+\
M.OA3\3%N+KP=X<U'X]WGAOPE<:?XBWQLJ3D_[+A4H8+DKU,)A<:U7QV$POM<
MNIT\+C,2IU)8[.Z.63Q3P7-CZF5XK.<'4GFF:TL+BOK.,*,)*A6>*JTZ^8<D
M:4JU#GPV#KUZ>!S.I#$X?#JCR87!ULWI9=2Q:^JPQ-/*,;76%P<L91HRP67X
M;_X+#^!O%OP[_9R^+>A?L5?MZW/PY_:P\91?#7X%:]/\./@;I^K^+OB5=^!O
M&'C/3?!U]\.M1_:*M?BKX1AU&Y\ ^,/"P^(GC#P+H7P=TFYT.X\?>(_B/HOP
M0FL_BM<_?7[,G[2/@[]J7X92?$CPCX>\;>"+K2/&GCKX:>._AQ\3-,T?1_B+
M\,_B5\-/$^H^$?&_@7QI8>&]?\6>&?[7T;5]-D>'4?"_BKQ-X7UW2+O2]?\
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MXPYCQW_P3"_:&^(OAOQWX6\9?M6_ +QUX5\<_MA>.OVF]9^%7Q*_8DUWQS\
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M^+/!WB;_ (0:#2M.\%QZ[X?\3\!\"/\ @DE^U+^SUXB^'%S\/?VO_P!DS0?
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M?$SX-?$KX=_#GQCX5^'_ (Q\<^$=7\)Z5XR\;> ]7^)WAK0(]?MFTS5+W4/
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MD\ZRQ4767U^62UYYG&K5P_+&<O[8Q&3-J2POU7!PX@I4Y9GCL%@X8OZ MO\
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MB?\ !+P7X4?P1<7?AJ/XG:/XEO\ PC=>)/UV_96^!>H_LZ? OQ-H/@S]F_\
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M\%6;RX^*OB3Q#I?[)'Q$^(?QU^%_['OA?XJ^,OB-_P %$?VP?%OV[XE?LO\
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M9?!OP#KGC+4O&W@:RU?4]3EU?X._&;P?X%U[3/#WB5/!OB'4OAM\6/&?P_\
M#_PJ^+VG>'_%<B>'M=OOA3XT\9VNC:L?L6I2VLX*CS3_ (*,?&/XX_L[_L8_
M'KX^?L]:E\*;'XD_!GP'KGQ(LK'XS> ?%_Q#\#^)=.\+Z==:A?>%KK3/!'Q2
M^$FO:->ZVR6]O:>*HO$.K0:$!-<3>$_$!=+>/XG\!?!K]KG]D'XG?'K]H?1/
MA'\+8O"?Q \22:8/V:/@9^TA^U)\0OAC\9_&WQ)^/&E&P_:&M_@Q=_LD>+=)
M_8^^+EAX%U#5+CXL6GPLF\2_!3XQ^.?%6J?$'XY_$7X0Z'X-U/XK3?;O_!1'
MX/?&K]H;]C?XZ? 7X!:3\+M3^('QE\$:S\.(;GXP?$/Q9\-/!WA_2/$]A<V&
MI^)9-:\%_";XRZWJ>I:.KPS6/AM?"UC:ZR6DBN/$VB"-99>>*C/+<LQ%9U/;
MU84X9C&BJL%1S.&)C4=&E2I.=>GA/JU?+Z\77J3E5PE?VN94<NK3QV3Y;I2;
MAF.+IN%-X:G6YL+[7EE[3+Y8>,9NM64E0J8IUJ>-A)81KV-2-.E@ZN+Y<-F.
M,\^\9_\ !23]FC]FG4S\'_VKOC2--^/7@3X6>#?B5\5;CP?^S+^TEH?@2Z\(
M:[_Q+]9^,WA.RM= ^+MA8? _PYKD4UK\0/&D7Q3\>>$?@A+/8Z9\7O'_ (?O
M;JUENO8O$_[<_P"R]X.^.WAO]G#Q#\1=1M/BAXI\3>'? NG/;?#;XJZM\,K'
MXB>,/"UWXW\'?"_Q5\>-'\$7_P "O _Q7\8>$+6+Q)X1^%GC3XCZ!\0?$^CZ
MQX7OM"\-ZA!XO\+-K'YJ_M8?L?\ _!1#]H;5?VJ;S1/AY^Q?H-G^TC_P3=T#
M]CFSMM4_:L^.$ESX+^)=]KWCK6O&GB:YNK3]B&:+Q'X&TE/B=J]IX8EBM-!U
M_7V\&Z;<ZKI'AH>-[JV\"?5_[/WP5_;2^#OQ;^(;W-A^SM_PIC]H/Q[X)^/W
MQ&U.Q^+7Q(UWXI?!CXFQ_"KX>^"/BG\'_ >B:O\  +3?"_QR^&/B?6/A?I)\
M(_%;Q#XE^ ?BKPEX?\6ZY$?A/?WGAS08[OHP[]M&%7'<E&K[3.)XR&'C"%-S
MH<2XC"9;A,-3@JBH4\3PQAZV>U,?26-P\:ZP^5X?"/&8W!X6KS58NAAZ*PTI
MXF4L)AZ;G7;=7#U'PUD>+GCZZ4(RQS?$F/QV3O*8+ XA4,%7Q]7,:='#59U/
MT5\2^(=-\)>'-?\ %6LC4VTCPSHNJ:_JJZ+H>N>)]8.G:/8SZC>C2O#?AG3M
M7\1^(-2-M;R_8M$T#2=3UK5;GRK'2]/O+Z>"WD^(O!/_  4T_8^^(Z^#9/!/
MBSXN:_#\0_V=/%7[6'@:ZMOV4/VM(+/Q7\!?!4QM_$7C/0KV]^!]M::AJ%M/
M)IL-CX$MYG^(FN2>(_!R:%X3U(^-O"(UO[,\"WGCK4/"6A7OQ,\.>$_"7CNX
ML]_B7PWX%\::Q\1/"6D:AYTJ_9="\:Z_X"^%^L^(K/R!#)]NO_ 'A>?SI)8/
M[.V0I<3_ )(VG_!+;Q?I/BWP_JVA_%_1=*\/^"?VB?B:O@C28-"U$7FB_L!_
M':TU_P 4_&O]D[^TTN4U""\\4_%GQ5=:OHOB71K_ $B#P_X7\"?!_3@MZW@-
M+34,%&J\3/#N5.E"5";IXJ4?:4:&(_>9?2C4]G5;Q47F.993FM94WAXT\@R/
MB2$*];'XW*_JW1)PA0]MRRJ2I5.:IAX34:N(H4N3'5XX>4J;ITJU3 8#,LKP
M;J.K&IGN;Y#.K3I9=A<RG4ZOXF?\%&TUKX5?M,_$G]D/XA_!+XV:U\#8?V7]
M:USX:^//A_\ &[X5:_\ !OPM\:UTS7-9_P"%G7NK&74/%_Q(UKP/J#:_X5^$
MI\)?!7Q!\/-1AB\/_%C4;6^NXROU[\%_C-\5O&W[2/[77PC\?^'/A]HGA+X+
M:G\&I?A/?>#]6\2:UXB\0^$_B/X*U/6=0U/XB7&M:;HNF:;XB&OZ/J$-GX?\
M-:=>:;I&CK9F?Q/XAO;N8V'P;^TI^R)^VYX_\1_\%%-1^$WAG]E3[)^T]X1_
M9/\ !?P5NOB!\=_BWH<MI9? Z_\ $=WXUU;XG:)X:_9?\21>%Y[V'Q-<V_A3
M2/"?B#QY%>O86\^K:MHJW<EO:?7G[/\ \,_VG/#O[5O[5?Q8^+WA?X$:%\+?
MC'X<^ ]O\.5^&_Q:^(/COQ_8:U\,_"NKZ-XIM?&NB^)_@;\-O#MMI>HZAX@N
MYM U30O$VIW8L],MAJ.CQ3ZK*-)I>SJ592P\:L:,X2J4XXNJHSIQ=&C4:;=/
M"7G3=&I[*G.C[1RQM:C.%:I2P:PO'%XFFHQQ/)[6%7V=26%BYTIVK8R$9+]Y
MB9<E2-;"NK4A4Y$L-1J0=&F\8JO+>,_^"L/_  3W^'_Q!^(_PQ\4?M(Z!;^*
M/@U\1?#'PI^,]QI7@_XF>)O!?P7\<>,X=(/A;3_C'\3/#'@K6/AM\*=+US4M
M;M/"UAXK^(/BSPYX2D\>6NN?#PZXOCGPUXB\/:5Z5IW[>_[,NK?"O4_B]IOB
M'XG7FA:/\0[GX2W_ ()@_9N_:4;X_P ?Q,L](B\377@:']ES_A48_:6O?$L'
M@R9?B%)I=E\)KBX'PR6;XF[?^$!MKCQ'%^>O[0/['7[?'Q \0_MHS>!/ 7[(
M-SHWQ^_:K_8F^-OPYN_%O[4GQG\.:I!X-_9+\0?"37M2L_&VEZ/^Q5XPM-!\
M3^-C\$- M+'3M"UGQ?I6B#QOK%Q/KVI?\(790>-O./B#_P $T_VJ/C!XO^+O
MQ!^+_P %O^"?'Q:T^3]N^\_:K^'7[-_QD\:^-?C'\%/BY\/O%G[.'A/]FGQ/
MX.^+NL^-?V1)/^%1?$OPK8^"M-^*_P ./B+X-^%WQHM;37-4U'X=:CH,>DQW
M'CC6<L&ZE;!.KB7&CB'AH2IMPJPA]8>*X(H.53")5L7"E.CFW%^*]A=U\/#(
MJ$9SJMMXSOQ,:=.=+V+=2^-J4JN&4Z=2:PL,LS[$*I3QJ]G@^>>9X;(\!"53
MDHN.,KUY3A1FJV$_2/P)_P %._V&?BG\3O!7P8^%OQUMOB=\5?'O@7P%\3=(
M\"?#GX?_ !6\=>(=%^'WQ(NM1L?#OC#XBV7A7P+JQ^$N@V%[IPL_'>H?%1O!
ML/PMNM9\)6_Q./A"7QMX/37*?@#_ (*B?L3?$[X@WWPW\'?$SQM=ZI8?#WQI
M\7F\7ZO^SO\ M*^$_@M?_"#X?7-Y9>)_B]H/[0WB[X0Z'\!?$OPGAO;&>ST;
MXF>'OB1JG@?Q5=O:6OA37M:GU"PCN?"_V>OV6?C+^SE^T3KGQ/U'X*_LE?#3
M]F'3?V.M/^%2?#[]F?5/&W]I>#?$&A_$KXD?&W6/#7@']G?PE^R[X1\->(?"
M,%Y\2M9\&6.J:+XLLO&OQ N?#L'CJ7X=:=X@\?W7@;PQ^-'[(?@<_M;>$M7_
M &7= ^)/[//QLTWXJ?L7_$#]G_P/\2O@'^UWX/\ VQ?"O_!/'X8ZK9^'?'>A
M_"/XG_LUZ-^QC\ /^$#^%OQ%\4^&/"O@>'P!^T3^U#^T=\:KZR^'H^%^D^/?
M%/AO0/B/XSMJA/VGMXQA*5?"8//\;B,+"4)UU3I8SB_!\-P4J;J4%5Q<,FR/
M,,3%UG#&8'%YM]1J4,7A<%A<7E)*,'4<E"E+&\*X.AB)QJJC4^NX?(L1Q'7<
M94X8B-/#O'9G@\)#V+K9=C<-@(YA#%T,3B:V$_J+^ G[4/P:_:6M?&LWPJU?
MQBVI?#C7[+PSX]\'_$KX1_%_X$_$CPCJNJ:'8>)=%.O_  N^.G@3X<?$;3=+
M\0Z!J=IJWAGQ!<>%DT#Q+9-/-H.IZB+.]^S^)>"/^"E'[(OQ%U[X6>&_"/BK
MXM:AJGQH^+7Q6^!?P[^V?LK?M7:#IFJ?%CX(?VC_ ,+4\':QKOB#X)Z7H7@R
M\\(#1/$37E]XVU'P[I%ZOA7Q@VDZC?KX0\2G2LW]@G]ER?\ 9R\->+[K5OV4
M_P!A3]DCQ/XOB\):?X@\%?L(>&[*W\#>+;SPG9ZIYOC[Q1XN?X#?L]^(+[4-
M8O->O;70_ 6I>$=>M/AYI=B_V3Q]XLN_$VI/IW@7QF_X)M?$;QA\2/C3\0_A
M5\9M ^'-[JGQD^$W[2W[-(N_#-SK+_ _]H23^PO"7[4/C2>.61H-3TGXT?";
MPK;>%;/1],_LR[L+WXA_&:YDU:T_X3M[FSWJP5/'4:491J8*6&PZJXB,ES0Q
M<Z^6>VK62E.."^I3S?$4Z2H5,?#%4LNP.(HT_;8W$8/&$JE3!5Y65#'1Q%14
M855*5'ZO]7S",*<U3;Y\13S%Y5'$5J>(6$GEU+-L7@9XRL\LPV*Z[Q-_P59_
M9HTJQ^*WQ \,?$;Q%X_T/X._LH^.OVD?%?[-?A[]EO\ :"TO]J@Z#X*^(]]X
M!?QA<:3XUMO"E]X2\/ZIK>D:CX:TOPAXZ^%/AV]O;<GXP2>/[#X1Z5J>K)Y%
M8_\ !7_P5X6^.MS'\?(M)^#?[,GBG]CKX/\ [2OPNU"_^%_[2]]^T!#+XF\>
M>.?!_P 6_$WQG^&VH?"70?$7PG^#GPVN-"T."^\=:WX"'@;P]H=[I/Q)\;_%
M'0]!^(7AO0-*]&^//[$_QJ\?_%OQO9?#JP^#WA[X"ZK_ ,$Q?C3^Q)X0UKQ!
M\3O'US\3-,\>_$>^T.X\.:AJW@6/X0ZGHESX&T2T\,Z=:ZIXE;XNWWBN_EU"
M[O/^$5EEL5&J?*'QC_8D_P""D?Q<\'_'SP\_PS_8@\.WGQD_X)GZ#^PC8S+^
MV)\>-8MM#\5:9KGC3[5X]NF/[ 6E2WGA\Z'X^U"_@TN&*'4I-6T&RT>22&SU
MV?7="YL%.V+PDL0JGU6-?&NK3G%Z8:7_ !&+#TX-Q4ZLJ^(>$\.,73J5JF)I
MX'$9CAY4*%++X5,)1[.2G6G7HN:PM/$8C TXXF_MJF'I2K>$M>=:235&2P-+
M%>(&%Q,<+2PG]HT<NQ"FUC:M/$UOV^^,OQO^&?P ^'&I_%CXIZ_>:-X)TR]\
M-:5]JT/PQXL\>Z_K.N>-/$6D^$?!WAOPCX(^'VA^*?''CCQ3XM\4:]HWA_PQ
MX6\&^'-=\0Z_J^IV=CI6F7=Q.B'X\U#_ (*Q?L*:98_#^^N_B?\ $(2?%32/
MB?J?P]T6W_9B_:IOO%OBK4?@IXHU#PA\7? &F^";'X*7'B__ (7+\-M8TG59
MO&GP+N-#@^,WA_P]I>H^,-2\"0>$;&ZUR+T3]I#P1^UQ\0OV4=&\(_!B]^&O
MP]^/^H/\)1\1- 7XQ_$/PIX+U+PE::]X=E^.OPP\#_M)^%?@Y>?%3X?W'BSP
M;%XH\(^#/CIX9^"6E?$3PW)?6?BKPSH?@'Q<FF:YX8_)W]G;]@G_ (*4? CQ
MG\++I/AU^QCKW@KX3ZM_P46U_3&U[]O+]J_QW\0?$MU^VSX[M/B/X0T[Q'XW
M^(_[$/BCQ7JMQ\.[_2;;PIXO\<>+O%?CGQ=\08M4N_']U)::QITOA?Q#.*>(
MIQS2.'5.I6PKQD,#"2;ABZN&P5.K0BZL*GL'A\;B\1"CA\72KRM/!8^CBL/A
M:,L#F.)C!^SJX7*:V*4J-;%5,+_:5&,XKZG1K4L5.O4C>$ZGM<'6PU*A5H3I
MVJ1S/!XC#5J_U;,</AOK[_@H5_P5-^&O[.7['/B/XY?L_P#Q&\.>,/B3KW[/
M"_M*_!%E_9W_ &A?VE?AIKOPYFM[#5/#'B+XK)\!'\.R_!7P!\48YW\*^#?B
MK\7/'GPY\'VFO/J>I(WB=?!7BGP[']N?M0?M$>"_V<_V>M9^,GQ#^,'PZ^!&
MG6__  AVFV?Q ^)/@WQ/\1/"EGXD\7Z[H^CZ1HJ?#OP;XL\'>,_&FJ:_=Z@=
M(T70O#7B2UU47ES%J++>66G7EK/^&EC_ ,$Q?^"C7@G]E/QS\#?!]G^QCXHU
M_P#:#_X)L?"K]@KXOVOBS]HOXZ^&]"^%7B7X >%?B1\-/ 'Q<^%/B[2_V1/%
M5[\2?#/CWP=\2+_Q-XR^%OB?X=_"N_\ !GC*R_L[1?B3XUTN_FU6+];OVS?@
MO^T3^T1^P)X[^!O@CPY\%],^/OQ)^'7A+PQJVB^*OBWXYL/@_P"&M:>]T"Y\
M8_V=\4-(^!.N^-/$FEZ(MGJ2^&KVY^"WAJ[\5-%8_P!J:9X-%Y/_ &?ZN,IX
M*@\;'"U9U\/3SW$TJ562?MZN7+,L7A<+R4XP=2+J9=A<-5GC:7M,"JN(ACY8
M/!^VK8-\M5UYTL!"$:?UF& S9XIQ4J5&IBWEW#N(P=2<YU(P]E#,*F=8>A@N
M=8M1PU>E]=Q$*^"Q*NZA_P %+?V,=(^,VN?L_:S\4?$FB_%KPO\ %?P9\%/%
M7AK6?@C\?-)L_"OC_P")<NGVOPLB\4^*]1^%]MX-\-^$/BUJ6J6.A_"+XFZW
MX@L/AE\5O$DK^&?A[XO\2:_;7.FP\3\+/^"I/[./Q'\"?%GXAZIX?^/WPZTK
MX8?M#^+/V;M.\.>+OV9OVBF^)GQ5\<^%]5U[2_LWP<^%>C?"K4O'WQ=UB^MO
M"7BSQ9J'@CX5Z#XX\<?#_P "Z%?>)/BOH'@)M.\0:;H/QW\9_P!CO_@HKX\\
M:_M0^(?#OP[_ &+)--^,?[8W["7[2/@:'6OVK_CEHM]I_A3]C_4/@_K>L^&O
M%8L?V'?$MO!XA\;ZE\%["VTR\T>34--T6Q\:W<UVM_<>#(8O&O577[$'[:GA
MGQ/:_$/X=Q_LT7/B_P""'_!0;XT_M?\ P3TCQ9\8OBM9>%?C=\-OVF]&^*OA
M'XL_"_XOOI/[/6HWOP$\9>#O#?Q.^W_#GQ]X-L_VBK'5?$&@+%K?AK0]%UG4
M;4>;@O:2A">.<:<JF$Q-.7)"4J5+$+&^''U?$.A3E4Q,9^QS/CJBX>UQ%.&'
MROZS&ABYT*$\3UXI4HTX2PMZLWB:4WAW/DJRHPRGC&K5PWUN=-82/M\QP_"5
M"G5J4:*A6Q%5U,31PE;$3P7ZD^ _C%X<_:5^!:?%/]E_XC>%;ZT\:Z%XB@^'
MOCGQ5X&\5ZWH?AWQ?I-WJ?AV[M/B%\*KS7OA-X_AU3P1XPTR^T+X@?"_6M?^
M&WCG1M;T;6?"&MW?A+Q!9W?V'\FOAQ_P48_:A\:? 7]J[P%XTB^ WP>_;Q_9
MK\&?$/XV^#K_ %KX4?$'Q?\ L_?M)?LU^#O$_B33M$^,OPZ^&=I^T#X5\<:%
M'J]UX6U?X6>/_"ES\=O$^K?!SXD6]CKNJR^+/"WB;PG8ZU^B?[)?P#\<_LY_
M!;Q_9ZNO@G6?C#\5?BU\=?VC_%7AK0=?U^R^%FB?$WXX>--<^(,_P[\.^,+_
M ,*R^)+GP9X;OM3LO#-W\1Y_ASI>L>,+BUU;XDR_"_PW?^(7\"Z;\-_%3_@G
M9\<OVE?V,/!O@SXC:A\+?V?OVU/A)JWQ5N?A7\3?@E\3/&OQ-\!V_AKXM:OJ
M*?$SX;>)O$?B[X,?"CQ#J?PU^-?@36+SP7\0?"5]\.=:M=!U'3_"7Q T.?6?
M%O@OPW<:?M&,?KE"$XR5"IA\N6:T7B%467UL0Z$JE7 YA2]A3S"IDN8.O0Q7
MU12H9WDL<74GET:]?)\3EV%6<E1KNF^:5'&YK_9=>%'EEF&'P\\1##0QN#K<
MT\)2SK+8T:U!XJ5"MDV;SPLXXET\/FF79E]K7O[;?P+^%/CSP'^SW\;OB]87
M_P <[^\^'GP\\8^+_!7P/^,^A_ .T^-'CS2;.Y\,^!_$/Q(CMOBC\(O@)XW^
M)DMWINJ?#7X(_%OX_P WQ,U72O&'@*VTJ7Q8_C/PEJGB3RV#_@KK_P $_M2T
M7Q'XI\,?&?Q3\0?!GA'XJVGP.\1^/_A3^SU^TM\6_AQI7Q?U'XB0_"K2_AU/
M\1?AE\'O%G@A_%>L>-+W1K71=*@U^6?6-"\4>#/&FF"[\%>-O"7B'6O"?B=^
MP+^T?XO^)'[3?POTW6O@GJ?['_[7/[3'P$_:N\6^./$7BWX@Z;^T9\&/%_PF
M/P7O/&?P\\$_#S3_ (>ZQX$^)>A^/-0_9W\#2>!OB#JGQC^%>L_!F?QGXFU$
M^#/B7!X+\-:'KGI7P>_8U^,?B7]E_P#;/_9Z_:?T7X2>$G_:.^-?[1WQ(\%:
MK\%?BSXY^)O_  CMC\;/%.H>.O"FLW^I^+O@E\$;[P[XW^&?BJZTZ^TI]&L?
M$5I/?Z%8:Y!J=E,W]F08QQ$^6.*Q6'G5Y<GJYKB\+@E1P]:OF-.IPE[;(<#"
M:5"A6=7'\88+"8N<98?$+)<#F=+"PR[$48X[>I1IJU##U8TISS/"9?0K8FI4
MQ5&CEU3#\12>>XR=*FJM2%26"X?J5LLI3EBLM>88C"5\9C<2XU,/]#Z/^WW^
MS/K^H>)M+TO5OB_-?^#?VD- _9+\4V\W[+7[4UB=#^.GB>SAU+1O#]_)?_!B
MUBC\(SZ5=Z7K%S\71(WP>TO1M>\,ZQJOCVRTSQ1X>NM39\/_ /@H7^QY\3-?
M\;^'_#GQCM]-?P%\/?$'Q@U'Q'\0?!/Q(^$OP\\3_!GPG?G3O%'QL^%'Q2^*
MO@[P9\-?C?\ !3PY</92:Y\8/@SXK\>?#;2K'6O#>J7WBB#3/$_AZ[U/P#X)
M?\$_O'W@[XGZW\0OBE\6])\4P?%;X)>';SX^:-X.T6_\*KXP_;9G\->+?ASX
M^_:-\.7,=PL^D:-?_"/Q9_PK7PSX8UB76Y=)T#POX!^S/IUQX-M9K[X_M_\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M57.E_M*Q_M/^&]*_;I?]HSPO^TWI?QPM_P!F'5]!^"L%CI?P0E_9T3X(:O\
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M6>*[CX0^/[#X&_$[X"^!_"W_  4_\=?LA^/OA+9^#?@[\<OB1^TOX1T/PO\
M&70/#/AKP+XF\%_&+Q?9?#C5[7QQX'TK5_B;J&O^%?"7AW1+O5-$73/C1:_"
MOP;\1/'_ (C_ &"_9[^'_P"T#X(T&\/[2'QY\*?'CQU-:Z)HMIKOP]^#FH_
M?P9!HN@6UPL>I7/@'5/BU\:KF?Q_XCO[^^O?&?B:S\8:9X<U**WT'3_#G@3P
MC:Z3<C5O@?5_^"=?[2,/C71[[P/^U;\$-$^'7A?]O7Q=^W3X8\+>*OV0_'GB
M[QK#J_CS_A._^$F^'.O>/M(_;+\$:%J^FC_A8OB#^PO$>G_#;0+K3?(T;^T-
M(UO[)>_VG55..<X"4&Y992IY)/%5*$N:,L1A>,N!<1F,XTL73A*J\5PU0XN5
M7#XC#5\'*,ZF"4:CK858CBC*;RK'7A'^T*L\VAAZ<H\C5#$\(\8X?"4XU*=6
M<:4:/$F(X:>&Q-.O3Q])4L/C'4HRI8UTZ'QA_P""X/['OP+^!WPV^,_Q&T[Q
MSX7U+XC:E\==,_X4MXP\9_LO_"_XN^%9_P!F7Q[J/PN^.\6HI\8?VCOAW\,?
M&NJ^ _B%IZ>%[7PG\&/B;\4_&WQ%N;Z#4?A+X9\?:'9ZUJNE?=?Q2_:[^$_P
MT_9R\/?M/6CZE\1?AYXZMOA9+\-(/!VH>"=$U#XC7?QLU?PYH?PMTW0]<^+'
MC'X9?#G0)_&.I>*]"M=/U#XB>//!.@0W%_;VM_K-I>3V]O-\!_!W_@FM^U3\
M#KOPS\0? _[;'PIM/C=HGC?]J*?6=8F_9!\7W'P4\:?"7]JSXRWG[1/BKP3X
MC^#MQ^V%/XIC^(/P\^,NIZKJOPI^*VA_&C2-/TGP9?2^#/&?PV\=S2W?B*[^
M_P#]H/X&>._BM^SM>?!'P7\0OA];ZKJ5AX8\/^)=:_:2^!NF?M0_#OXE^#[&
M>Q@\=>$_B[\(9?&GPFM?&>E?$S0(M2T?Q -+\7^$Y+*759+_ $TQQVZ6#U4N
M\)?3ZY6QV&<X8>7LJ>$P=;'XBGB*5"KB(8I3A1ROZA6>,KTJ^)P&8O-/99;Q
M+A7@,-'22C',*T*<G++L/'-886M6C[2MCX46I95B,52I/">PQ=>4:U.KA*$Z
M6$QN'G@ISQG#N(^N*G\4>)_^"O/ACP1J_P 0?#OC3]A;_@H'X9\0_"CX*^'?
MVC_B3HUW\-?@/J-QX-^!&I:YX]\+^*?B/JUWX>_:0UG273X?>(_AMXIT[4_
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MQI^"WP^T[QCX4\#>,-?^"Y^*[CPEI_BWT;]GK_@G#^T;^S;IOPIL/ ?[;&@
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M &@/V5YM8^)7Q:\-?$SX_P#PNL/V!];T[]B7]I:\T+X=^._"-_XM^.?['/\
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M:V=8.I&-:MAO88:'U*C27L,?C?0/BE_P4W\&Z)8^._B3\%O"?[1_QFU/0/\
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M:GX.^)7['W[&?A;P=XJ^$/[*/[3_ .T/X=U#Q+\,_C3^WQJWCGP_?ZS^S_\
M"'XG:=X=UK0-+^*'@#49],\27&D7MU8^)]/N]/ANX!<O "77T_5'Z8U\0?M7
M_P#)>?\ @F5_V>_X^_\ 7;G_  4&H_X>#? ;_H0OVW__ !65_P %)/\ Z%"O
M$?'?Q[\,_M'?M&_L :5\+_AQ^U-_Q;?]J;Q]\2?'>M_$G]BK]L/X&^#/"W@L
M_L(_MH_#B+6=7\>_'#X%_#OP1;M=^.?B-X)\,Z?IG_"0-K&I:GXALXK#3[E$
MN9( :3[/9]/)GZFU\0>/O^4D?[*'_9D'_!0;_P!7S_P3*K[?K\ZOVD_'5O\
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MYX-;X1_&G]D)M:U;P]XOU_3?%W[1?Q,L/BE\.O'?B;Q+XAB\7?"N2+P3>MX
MU-O!]K\0AK<7_"<R._:._P"">OQ]_:N\+_#WPQ\;OVDOV?\ Q=!I7B&Y\8^-
M;NX_8T\0QZIX+\>V6I^&!X%^*G[$?BF/]K!?B#^R%\6/AWX;T/5;70?%^M>-
MOVA+2_\ %/BS7O$.O>']4T"<>!SAA8Q>(BL7**I5,9"+=/VD*-#"TL)@ZOUA
MU''$8EQQ&8_VK1Q&71P]6M++UDM'"YQ@<3+,LQI3/VOU9*FI1K0A7ES5/9U*
MU6=7$8FG3H.E&5+#1EAL'++J]+,%B(0^N1S?VV3XG#4\MPN)^M_VJ?C[X:^!
MUW^SAIOB#5?C?HMQ\9OVFOA7\(-!N_@[\/O#?B_2;O6/%NH7%M9Z%\8?$7C3
MPKX@\,_#[X4Z]/Y.G:]K]EJ?A;XAW=S)9:9\.-8.NSR6[^ ?"#_@J%\./BS\
M6O!_PBN?V>/VJ/A;J'C'XY?&?]F6U\9?$WP?\++;X?V'Q^^!WAWQMXT\4_#6
M37_!'QC\<W/B&74_ _P^\4>*-!\<^!-+\7_"P'3Y?!WB/QYX<^),%YX)M?=O
MVM_V=/B!^T1H_P "M)\"?%3PC\,O^%1?M(?!OX]Z[=>,?A5K?Q6?QE8_![Q%
M'XGL_!VF)HWQ<^$W_")WNNZG;VJ7?BN\?Q?#:62W,,7A>:XGCN[;XA\"?\$W
M/VJO"GCWX-^+]9_;%^ WB+3OA9^WA\>/VV[[2;?]BWQ[H>I>)&_:!\._$7P?
MXG^%]GK8_;;U2R\/VV@>&?B_\0[;PMXPN/#OB&YAU)? NI:YH&N1^&O$=AXZ
MC+E?$5X8YN&'EB\V=";M*$83P_ 6'RNI4=.-7$JA!3XYQ$Z%-+EQ6"P-25%P
MQ+AF.F)YG1E4H65=95A'&G=W>84J/'^*K4+2Y:$HUL=3X%P5:O*TG@L?BU1Q
M%.6&G6R[T_\ X*,_'_\ :!\">,OV2OV>?@%X<_: T+6/VHOBYK_A#6OCK\!=
M._8_U[Q1X!T?P=\*/B-\1+G2/#NB?M<>.;7P4=>N[WPII/B#Q+>ZW\,?&6D2
M_"30_B)HGA.^L/B[J_P^2N>LO^"CVK?!/0=6^&GQL_9W_;+^)OQ3^$OP$^+7
MQ 3XE:9\$O@K\,T_;.C_ &3=7\#^ _VB_B%\!/@_J'[1+>*_"7VO6?%EE\0/
M"7A+XG:9\-['QWX.U*&\^"^H_$*POO# USZ'_:@_9F^.7QK^.7[(?Q:^%WQW
M^&/PJT3]E[XD^)OB3JO@_P ;?L^^)OBYJ7Q*N_%OPZ\8_"35]&@\6:-^T/\
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MG\!/&?Q%NK*_\3W_ +%\)_\ @J3\,?BA\4_"OPKU']GW]J7X37'BGXV_&O\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M'^*/C+I>FZK\$-9T+2[/XS>()?'GPG^%>J_#_P"&T7Q;^-%E\-+#5-4^R_\
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M37]M_P#\('_@FY_]+YH"WFOQ_P C[?HKX@_X90^//_237]M__P ('_@FY_\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MZ\\.SPZD_LW@'XO_ +8/Q+^(>H?"OPM^V+^RBOC?3O#8\52:=XI_X)/?MK>
M-,OM,AB\-R:W:Z%XI\>_M]^&O"GB3Q)X+G\7^&]*^)'@WP]K>I^+_ACX@U6'
MPW\0]#\,^(([C38=[Q=_P28_9G\7_$_PI\5[J^\067B3PQX=\/\ A^:X7X<_
MLM^(/$.NMX6:_&AZS)\6/''[.GBSX\>#+^TM+NUTZ33_ (4?%?X>>%KZQTJW
MCO\ P[=2ZIXGFU_W/X;_ +#/P:^%7[4OQ/\ VLO",<5IX[^*]CJUOXCTG_A5
MO[.%L(=1\03^';S7M:M_BWI/P.TS]I_59-7OO#JWEQX<\7?'WQ-X$MY=2NHM
M.\(V-IIOABV\/JA:56/MTZ="=#-)-1GSU:.(HUZRRJG.2I\M6&+P_L9UY4Z<
M?958-/DCB6L#=:T8M4)*<XQRYWG!1A5=6,5F7(OBISPL[NA3J7IU:4YR6(E4
MP\*6-S/^$"_X*2?]'7_L0?\ BOGX\_\ TS6C_A O^"DG_1U_[$'_ (KY^//_
M -,UK[?HI$W]/N7^1\0?\(%_P4D_Z.O_ &(/_%?/QY_^F:T?\(%_P4D_Z.O_
M &(/_%?/QY_^F:U]OT4!?T^Y?Y'Q!_P@7_!23_HZ_P#8@_\ %?/QY_\ IFM'
M_"!?\%)/^CK_ -B#_P 5\_'G_P"F:U]OT4!?T^Y?Y'Q!_P (%_P4D_Z.O_8@
M_P#%?/QY_P#IFM'_  @7_!23_HZ_]B#_ ,5\_'G_ .F:U]OT4!?T^Y?Y'Q!_
MP@7_  4D_P"CK_V(/_%?/QY_^F:T?\(%_P %)/\ HZ_]B#_Q7S\>?_IFM?;]
M% 7]/N7^1\0?\(%_P4D_Z.O_ &(/_%?/QY_^F:T?\(%_P4D_Z.O_ &(/_%?/
MQY_^F:U]OT4!?T^Y?Y'Q!_P@7_!23_HZ_P#8@_\ %?/QY_\ IFM'_"!?\%)/
M^CK_ -B#_P 5\_'G_P"F:U]OT4!?T^Y?Y'Q!_P (%_P4D_Z.O_8@_P#%?/QY
M_P#IFM'_  @7_!23_HZ_]B#_ ,5\_'G_ .F:U]OT4!?T^Y?Y'Q!_P@7_  4D
M_P"CK_V(/_%?/QY_^F:T?\(%_P %)/\ HZ_]B#_Q7S\>?_IFM?;]% 7]/N7^
M1\0?\(%_P4D_Z.O_ &(/_%?/QY_^F:T?\(%_P4D_Z.O_ &(/_%?/QY_^F:U]
MOT4!?T^Y?Y'Q!_P@7_!23_HZ_P#8@_\ %?/QY_\ IFM'_"!?\%)/^CK_ -B#
M_P 5\_'G_P"F:U]OT4!?T^Y?Y'Q!_P (%_P4D_Z.O_8@_P#%?/QY_P#IFM'_
M  @7_!23_HZ_]B#_ ,5\_'G_ .F:U]OT4!?T^Y?Y'Q!_P@7_  4D_P"CK_V(
M/_%?/QY_^F:UT?A#P7^WM9>*- N_'O[2G[(?B7P5;ZK9S>*/#_A#]B+XS>"/
M%&L:(DRMJ&GZ!XOUG_@H+\0=)\-ZK=6X>*SUG4? _BNTL9F6>?0M11#;O]>4
M4!?T^Y?Y!1110(**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HKS+XL?%KPM\&/"\?B_QAI7Q-UC29=5M-&6T^$_P5^,GQZ\4"[O8;J>
M&:3P/\#/ ?Q%\:Q:4B6<RW>NR^'TT2PF>UM[[4+:XOK&*X^;?^'@WP&_Z$+]
MM_\ \5E?\%)/_H4*!V;V3^X^WZ*^(/\ AX-\!O\ H0OVW_\ Q65_P4D_^A0H
M_P"'@WP&_P"A"_;?_P#%97_!23_Z%"@+/L_N/M^BOB#_ (>#? ;_ *$+]M__
M ,5E?\%)/_H4*/\ AX-\!O\ H0OVW_\ Q65_P4D_^A0H"S[/[C[?HKX@_P"'
M@WP&_P"A"_;?_P#%97_!23_Z%"C_ (>#? ;_ *$+]M__ ,5E?\%)/_H4* L^
MS^X^WZ*^(/\ AX-\!O\ H0OVW_\ Q65_P4D_^A0H_P"'@WP&_P"A"_;?_P#%
M97_!23_Z%"@+/L_N/M^BOB#_ (>#? ;_ *$+]M__ ,5E?\%)/_H4*/\ AX-\
M!O\ H0OVW_\ Q65_P4D_^A0H"S[/[C[?HKX@_P"'@WP&_P"A"_;?_P#%97_!
M23_Z%"C_ (>#? ;_ *$+]M__ ,5E?\%)/_H4* L^S^X^WZ*^(/\ AX-\!O\
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M23_Z%"C_ (>#? ;_ *$+]M__ ,5E?\%)/_H4* L^S^X^WZ*^(/\ AX-\!O\
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MQ@^>3E*<L5[/#/'2JN<L5+!9>YM/+\%[ HHHI$A1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !17PC_ ,%(?@EX:^.7[)_Q
M!TCQ-/IT$/@>%_B7I(U?X4?L]_&33)]=\+Z5JT5A!?>#OVE?@W\</A^;>1-3
MN!+J=CX2L?%5JFZ#2/$>F6]WJ,-[^%/Q)_9\^ 'P/^,7P[\#1_LR?L._%70K
M<_''1(/!/BK]@W]CVQ^,/QSUWX/?$#2M-CE'B/P-\(O"OA]9[WP]>Z?I6M:3
M\._A'HIL]3UR'5H9K6.ZTW38,8UX/&X7 M3A6QE65.A)KFIM0C2<ZLG3<YQI
MQG6A3M[-U7.[C2E3M-[NA-8.MC8M5(4)4X3IP:57VE6&+JPIKVKITVW2P=:I
M*7M%2A#E=2I'WU#^L2BOQ-_8$_93_8._:B_9WTKXJ^.?^"?W_!-Z_P!8NO%/
MBK0X==^&/[-'[&FI>%?$&G:-?)%;W\6G_!WXK?M=^"_#.HV4LUQX?U308?V@
M?'&I_;-%DUK4X?"EQK7_  AV@?:?_#LK_@FY_P!(^?V(/_$4/@-_\P-==:E*
MC-0DXMRIT:T7%W3IXBC"O2=FE*$G3J0<J=2,*M*3=.K"%2$X1Y:56G6BYTW)
MQ52M2NX.-W0K3HRDE*TN5RIR<&TN:#C*RN?;]%?$'_#LK_@FY_TCY_8@_P#$
M4/@-_P#,#1_P[*_X)N?](^?V(/\ Q%#X#?\ S UD::=W]W_!/M^BOB#_ (=E
M?\$W/^D?/[$'_B*'P&_^8&C_ (=E?\$W/^D?/[$'_B*'P&_^8&@-.[^[_@GV
M_17Q!_P[*_X)N?\ 2/G]B#_Q%#X#?_,#1_P[*_X)N?\ 2/G]B#_Q%#X#?_,#
M0&G=_=_P3[?HKX@_X=E?\$W/^D?/[$'_ (BA\!O_ )@:/^'97_!-S_I'S^Q!
M_P"(H? ;_P"8&@-.[^[_ ()]OT5\0?\ #LK_ ()N?](^?V(/_$4/@-_\P-'_
M  [*_P"";G_2/G]B#_Q%#X#?_,#0&G=_=_P3[?HKX@_X=E?\$W/^D?/[$'_B
M*'P&_P#F!H_X=E?\$W/^D?/[$'_B*'P&_P#F!H#3N_N_X)]OT5\0?\.RO^";
MG_2/G]B#_P 10^ W_P P-'_#LK_@FY_TCY_8@_\ $4/@-_\ ,#0&G=_=_P $
M^WZ*^(/^'97_  3<_P"D?/[$'_B*'P&_^8&C_AV5_P $W/\ I'S^Q!_XBA\!
MO_F!H#3N_N_X)]OT5\0?\.RO^";G_2/G]B#_ ,10^ W_ ,P-'_#LK_@FY_TC
MY_8@_P#$4/@-_P#,#0&G=_=_P3[?HKX@_P"'97_!-S_I'S^Q!_XBA\!O_F!H
M_P"'97_!-S_I'S^Q!_XBA\!O_F!H#3N_N_X)]OT5\0?\.RO^";G_ $CY_8@_
M\10^ W_S T?\.RO^";G_ $CY_8@_\10^ W_S T!IW?W?\$^WZ*^(/^'97_!-
MS_I'S^Q!_P"(H? ;_P"8&C_AV5_P3<_Z1\_L0?\ B*'P&_\ F!H#3N_N_P""
M?;]%?$'_  [*_P"";G_2/G]B#_Q%#X#?_,#1_P .RO\ @FY_TCY_8@_\10^
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M_#?]GJWU6V\(I\1_A+X6\2^+O"GPD\>1> ;^TT'X<^!=/T;PE8>!_A_^R_\
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ME&%6&%HX>G3J8BE[I^T-^T_XJ^!7Q:^ _@L?"C^V/AI\5==AT+QE\9M5F^-
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M@\-5P>3U(-UJ?)'VT5A:N%AA\;RQA4KU*CI2CS3S3#4U"+C&E1IU<NP>#P^
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M^'?@W_P3G\6?$*/7M3^)7P,^ '@;P)XE^-%[K7Q#\/ZK+XHUSQA^U3X7T/\
M:ZUWXH6NN?M(^"O%/P>T*QAO_!'@?3I_!7PC\,ZAXM^+GACQ)X)\>ZO#_:_@
M'PA-9^%IN@F_X)C_ !FU"+XAZ%IUM^SU\)[WQ;J=C8WW[0?PX\6?$L?&_P"(
M6L1?%74/B'9_M;>-;+3/ ?@&;1/VH_ 'AU;GX<_#JQM/BCXNTBRM?B?X]U'4
MOB)+X!T33_@OXISIWE3I8EX>E'$XQ+ 5\/-05/#9?E.'PSRKG2I^R>#S">:5
M<)'!^Q]IAHX>$LRPV%H8?-?[+TJ-1J5<-&JY86@Y8MUVG)8O$Y]BZ%?.*=6$
M77J8AX265T\;B>5UJ.*O[/#_ %G$XG"4*WZ#:G^PG\$M2T?QOX?-WX_MM%\>
M#P;;ZEIJ^+#?V^EZ5X%^$FJ?!S1-$\/_ -N:?JTFF:;)X?UO6-=U4F2XU#5?
M&6IWWB"\OY'N[BVDX+P__P $X/A-I7Q2^#WQL\0^/?'OQ-^*_P (M:\7:_\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MEO23I2J\D<10=3[RHKPW]F[XNS_'?X+^"OBO/>?!?4&\70:I=1WG[/?QI?\
M:%^$D\%EK>I:7"?"WQ<?X?\ PO/BITCL5BUP#P3I*:+X@35- 234ETL:I>>>
M?M0?M,ZA^SO=_#B&S\*>!_$$'C>Z\4QW,OCGXM1?"5YSX9TVRU!?#'PYDO\
MP5XHTCXB_%76+6[OM?T?X97&L>#M3UCP5X/^('B#0=1UG4?"Z>'-4WK0EAZW
MU>LN2M[>.&Y+J7[^4_9QAS1<HZS]WFYN1;N26IC@_P#;U3>$_?*K"52FU[G-
M"$93E)>TY-.6,I)NW,E>-[J_UK17YMV7_!0B*U\#ZMXY\6?#[P7:VD/Q-^&W
MA;3](\#?''0_B%XAT/P+\9/"UUXM^&OBCXPZ!;^$-"USX0^-KO0TTOQ#XG\
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M^N?6881T$JG+S2A7FHU'&\*48U:M24:-&M.'UM17YJ>"_P#@H!/XS\&?LO\
MB6WL_P!E33I?VAOBKXK^' UB]_;$?_A5.M)X2\50>')O^&:_B<GP$W?M)^.O
M$D-P]UX*\ ?\(G\*QX@O](\1Z4WB?3UT8ZC=?I76TZ52FYJ<;.G6>'GJGRUE
MA\+BG#1N]J&,PU3F5X_O.7FYX5(QPIU:=6,)4Y<T9P=2+M)7A'$8G"-V:35L
M1A,13LTF_9\R7)*$I%%%%9F@4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M<:<G*')*TH>RQE#EE&,E[',(X:&.I*Z=H8NGA,/2Q$=JM&#HSO2G4A/Y2?\
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M2M1TCPU9VFE>"]'MXM,\-V5[>#4==U#5]6ON/^/O[/5C^T#8:%HVK_$_XK>
MO#^GR7D'B;PY\/=3\'0:%\1]#O+S1=3/A[QKIWC7P1XVB6WM-7\/:3J6E^(?
M"'_")>.M),6HZ7IOBVUT#Q%XETC6?H.BM)MU)JI.SE[1U+J*BG*4I.:E&*49
M4ZBG.E5HR3I5:$YX>I"5"<J;SP_^R.$L-^X=-05+V?NJA[.G"E3]A%>[0=.,
M(2INBH.G57MX.-:]0^+K3]AOX;GP3XN^'_B/QY\6O&WASQ.UQI6EQ>(]:\'P
M7G@+X>0^#?'/@CPM\*?!5YX7\#>&Y8O"'@33?B-XMOO"NM^)?^$F^*']K7UK
M<>(OB'XAM=)TFSLOK[1]*@T31M+T.SDG:UTC3+'2K6:=HWN6@L+6*S@DF9(H
MX7G,<2M(RP)$TF2L2H0@TZ*3^&K&[2KJ@JSBW&51X:E4HT9SG%J<JL(5:EZS
ME[6<ZDZM2<JLG-SR1MAERI+!T:V&PD4K1P^'KUEB*M"C%>["E*K&,E3BE""C
M&%-1IQC%? =A_P $V?V:=$U#5-1\*Z9KO@E];GT36=7L_!*^#O"FE:IXXT[P
M;\0_ ^O_ !*U+2M%\&VFGZAX\^(NE?$C4[_XC:M>V]Q9^)_$>B>&O$4FFVNJ
MZ?=7.H?57P>^%T?PB\%6WA)_&OC3XE:JVH:CK'B'XA?$1O"?_":>,-9U.??+
MJFNQ> O"?@/P3:26UE'8Z/86/A7P9X;T>RTG2]/M;?3$>*6:;U*BG!^S52--
M*G&JHQG&$5&*IQ5%*E",4E2H6PV%O0I*%&7U3"<T']5P_L[K-XBK3KUVZM6D
MFH3FW)Q;@H.79U'!.+JM.I:=5<W[ZKS^#?%+]GGP7\6M777M?U3Q3I>KPZ7;
MZ397OA^]TBV>PMH]"^)7A:\>V34]#U:%I=6\-_%CQCHNH_:H[F$VMU:364-E
M?VBWC<S:_LR[_A]KW@[Q-\<OC1XV\5Z]X+\/^#G^,NN1?!C2/B5IK^#?&'BG
MQMX'\4Z78>!/@WX.^%$?B7P?K'B>./2Q=_"^]\.ZE9>'="B\4>'O$$\GB"YU
M[Z?HJ%%*G5I*ZC6;E.TI*2;C4B_95$_:4;JM5;5&5-.<Y5+<[YASG*K5IUJE
MIU*2IQA*<8R7+26$C"$HM.-2"6 P2E"I&4)_5,/SQE[&GR_.NB?LS^"=#NOA
MCJ<6O^-;W7/A39^$[?0M>U#4M%FU35+SPSI_Q!TJ_P!8\0&'P_;V5UJ7C73_
M (H^-K7Q:NG66EZ:R:LK>&].\-RV=F\'0?![X#>"/@@_BU_!L^O3-XVN?"M[
MKG]M7]M>(;SPCX,T3P+87-E#:V%A#8O>:/X?L+C58H(UMKO5VO-22"">]N?,
M]JHJ[M.;2C%S=9RY(QA[N(J4*M:E%124*$ZN&H5OJ\.6A&K3C5C352\G+UES
MR<I3=+"T7*<I3E*&#HO#X;F<FW*=*@W2565ZKA[LIR1YWXX^&>@^/Y#+K-WJ
M]LS>"O'W@0C3)[.$?V1\1;71K36[G_2K"]/]I6L>AVC:5-G[+ \EP;NSOE>-
M8?%M/_9'\'Z/XYT/Q?HOQ ^*6DZ-IOB;4?%FO?#2TU/P;)X \=:O)XQ\0?$G
MPTWBF.]\#7?C"WM_ GQ+\7^+?'WAJ'PAXP\*&^USQ!-9>-'\7>&-(\,^']"^
MK:*4/W=:%>&E6G*G.$M^2I1J*K0K1B[Q5?#U8JKAZZ7ML/52J49PGJ.HW5HQ
MH5&Y48NNU3>R^LPIT\0M+-QK0HTHU(MN,O9P;5XIGR_X&_9+^&OP^T[7M+T+
M5?&<EMXB/PR:_.H:GH]Q(LOPJUR'Q!H,ML8M MTB?4K^!1KJF-XKB%Y!IT>E
MRMYP];\<?#+0O'TLL^KWNL6DDO@'XA?#HG2Y[&$+HOQ)3P['KEV@O-/OA_:M
MF/#-@=(F;=9P-+=_;;"_$D(@]%HJ90C.DJ$K^RC0CAHQ4I1:HPIJE&*G%J::
M@DN?F]HW[SDYMR+A6J4L0\73FXXAXCZVZR^-XGFC+VS>SFY1BVVK-K;<\E\#
M_"F7PI!\/I_$'Q%\>?%#Q1\/O"?BKPA%XW\<V_P\T_7_ !39>+=5\-:I>7WB
M;3_AIX ^'?@U=3L%\)Z/INF-X8\*>&;!;".=K^PU#49WU"N\\5>';+Q?X7\2
M>$]2ENH-.\4:#K'AW4)K%XHKV&RUO3[C3;J6SDN(+F".ZC@N9'MWFMKB%)0C
M202H&C;>HJZK=9U'42DZKFYI148OG;<K1BHQBG=^[%**6B21GAO]C^K_ %6]
M'ZI[+ZMR7_=>PY?8\K=_@Y8VO?;6YX;\%/V?? OP$@\2V_@BX\0SKXL/@^36
M#KVH6M]ON?!?@C0? .G75K%9Z=IUO92WNB^'=/N=7CMH8[6[UA[W4X[>WFOK
MD.OB+X ^#O$_B'Q!XEO]2\30WWB2XO+F^BM+S2X[2*2]TKX8Z1*+2.;1KB:-
M%MOA1X=>,33SD3WNM,S/'<6,6G>XT4-MVOJHQA"*Z1A3A&G3A%;1A3A&,*<(
MI1A",8Q2C%)33A&E"-.G%0A"*A&*V44DDN[VU;;;=VVVV>1?!?X4WWP<\+7?
MA";XI_$3XI:6FM7=YX8D^(UI\,+:\\#^&Y+>TM],\ >'I?AA\-?AK%J'A;0%
MMG;2]0\:0>+?'=P]Y<G7?&FLJMHMKY/\3?V1/#WQ9\7>-M:\5_%?XN#P/X_T
M*]T[7_@QI;?"JQ^'W_"0WO@*^^&;_$#3M=/PJF^,NG^+H/!]_+86<4'Q8'@^
MUNXK?5X?":ZM"+T_6M%9SIPG"-.<5.$*:I*,M5*"H/#KVB?\6?(^9U:O/4==
M1Q3F\3&-9;TZU6E*I.G-TYU?:J4H>ZTJTG*I&#7\*$DY4W"ER05"4L.HJA)T
MW\D?\,BZ1!I?Q'T;2/C3\<-#T[QM:Z(/"5G8ZG\-+VR^"6LZ7K6F>+-3\4_"
M[3-?^%^M:5?:]XK\<:18^-/$'_"W+'XJ:/#JRSZ7X:TCP[X1O+OPS/V/A_\
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M33DJ%/V[EB*?@OC_ /X*<?LN?#OPU+X_UGXL_!67X7:CXV\':!X&^*MM\<?
M3?#GQ_X5\2>%O&NOZCXI\.>,S<'PUJ&I:9JWPE^,7@C3/"^EZKJO_"0>,_ \
M.@+KFF:CJUY;:#\X?$S_ (*L^+_A9I7PWN?&G@']BGX=ZC\8++X:^.OAB?C!
M_P %%;#X?^%?&WP:^,.H0Z7X-\8>&O%UC^S'XPA\2>*O"%PMSJ/QQ\.^&-+U
MSX?^ /#.H^#?$7@OXP_%BT\3W$>A?IYXI^ _@7QE\3['XI^(1J]]J=K\,_%/
MPKNO#CWEO_PB6KZ!XJO()YM2U'3FLFU!/$FCV4OB/0M$U;3-6TWR-#\;^+K&
M^M]0-]8S:;Y7X!_8Z\+>#(9SK?Q8^-GQ4U9->^$EYH?B/XE^(/!E_K/ACP9\
M#/$D_BKX7_"W2SX5\ ^$M,U#PIH.L:AK<VI>*/%6F^(_C'XS_MR\E\=?%/Q-
M=66@W.CSAU)5:?MY)TIX[+JDURWE2P%/'PP^9X>].5/FK5L'2IYC0<5+GI8O
M,L)[? XK#Y;*=5I4U"3HPYIQPE>E",I2C&KC)PH5J&)G?FY:5-5,?@IPC.-L
M1A<IQ:IU\-B\RI8;P#]FK_@IC\)_B]XMN/!/Q6^+O[ _PN\::WXEL_!WPY^%
MG@+]O3PU\6_CEKOC"X\0:CX>E\%>,_A+XD^$/P7U;P7XW%_!IME9^%-"U+X@
MZI>:O?7.D,EK-902ZE;_ &O?^"F'P6_9M\<>$_A#X:^+W[$NI?&34_%%WHOC
MOP7^T1^VSX4_9IL_A/I$'@2]\<6.L^.KRP^'/QL\5:)<^(8%T2Q\-:9K'@71
M[;6&\0Z==0ZRB3VD5[]2_ CX ZU\"_[9T[_AH+XT_%3P9<H8/"/P_P#B7IGP
M#@\.?#2S.IW^HBR\(:I\+O@9\,O'>J0+'>KIHE^(WC+Q[>?8;*T<W1U%KW4+
MR;X]? &Z^-LWPYU;1/C5\6_@/XN^%_B35_$GAKQK\(+/X,ZEK;OKWA76/!^K
MZ3J>F_'+X/\ QI\'76E7FDZU<L3%X6MM6M[N&VFM=5@19H9YO4>'PSE=5G3P
M_ME2C&,U451*K[6-6=6C%R2<JL</5J1C1E;#S==*Q[BKUU'6DIU/9.K*3@X>
MS7(Z<J5.G6>OP.M3@W7NZD88>R7P3\)/^"O7P<^-E[H?@'X;W?P0\?\ QV\=
M>#/A;XI^'?PJ^&7[2GAOXF17=WXKCDC^*VE_$?Q)X1\%WU[\)X/@,VFZ[XI\
M8ZAKWA.^N-5^&L.B>(M)TD>,M3U;X;^&O4;C_@J=^RI?_&[P?\/? 'QA^ 7Q
M3^$NH?#?XH>.OB=^T!\/?VA_AMXK\(_!.^^'NC?\)5IVD?$&U\/76K:;I&D^
M)_"6C^.-8_X2;5O%>C+I$OA>WM/[(U.'6)+_ $GZC\!_LT> _AY9? VST;4_
M%-TWP%TCQAIOAZ\U&YT+[1XHOO'UG'#XO\1^,XM,\/:983ZWK>H_:]?F'AFR
M\+:+;ZQJ5[]BT>VTO[)IEKSG[0O[('PP_:6O(K_Q]JOC?3+F#PM'X0@E\(:Q
MI>CSV^DGQQX7\;:BUM=W>@ZI>VUWKB>&&\'ZQ-;W,2W/@OQ'XFTN**WOK^VU
M6PZ&X?6\-'E2PWUO,EBZU.I.<(X2MEN.I9?4H4:E*G7K/ XYX+$JE.MAYXZM
M"2Q%;"X.I4PU/%7>'Q3O*%65#+OJD)QA*K"O3QF >.]O4A4]A;$86&-4G"E-
M4(U)0PT:E=8>M3^&=(_X+,_ 74_V;?@Y^TB__"N8?#OQ$^.GBCX8>.[>W^//
M@N^T3X,^ ?!7Q"C\'>)_BKXO\;1Z9%H4D^F:/XE^%'B2/P ZZ9JVK3_%SP9H
MNAZMJ<6I:=K.I^V#_@J'^S%;W.D^(M9^*_P'T+X&:]\>?&'P0T+]H?4_V@_A
M]:?"?6I?"OP,\.?&!/$.D^,;MK;P?J,FIZOKMQ\/TT.S\53-;:EI4U\-4NKJ
M1]"MNRU7_@FS^R3XSUF_U+XQ?#+P_P#M Z:R_$1_"WA#X[>$?AW\1_"/PUU+
MXK_%[XA?&7XA:_\ #;2M5\$I+X5\1^)M>\?6V@7VNP7D^I+X1^'_ ,/M-MYX
M;_2M8U;7V-^P7I>GZ#X3L_!/[2W[2?P]\:>$O'D'Q"@^+6@O^SWXD\?ZQK7_
M  HKPO\ L^ZG!KUM\3_V?/B#\/;RRU[P=X3T_5M6DM_ 5GJW_"5W&H:EINJ:
M=IT\6CV\TW%+&2J1DFZ4W@Z<6JJC6JYKEM.FI5+X5\N&R?"8W$2YX2_VO-L5
M!/&1PF7PI:54G4IJE*/(JLO;3O.FI4EA\77A[*,J>(FW+$XFA@ZG.Z3]EEN%
MG!)XO&XD]-^.'[:O[+GP ^&NB_$SXA_M"_ +PKI/CWP-KWCKX--XU^-GP\\$
MZ;\:].T;0--U^%OAGK>N:TEMXQL=0MM?\,&/5/"L.OP16_B?0;M8KB/5=/2[
M^-/V=?\ @KE\#/BS\1? _P (OB%\3?V*_"WQ!^(M_;VO@^V^#/[<'@_X[>'/
M$,NOVF@6_@GPYH6K:W\-O@MK>M_$;Q%XOU#6?!=SX'TOPK<M9:UI>GVNDZUX
MDU/5[K2=#_1G3_AMKUUX(\>> _'_ ,2_$?Q#L/&5E>:#:ZYJ&A^#?#GB71O#
M6H^!=$\):C:23>%/#^D>'=3UJ_UBS\0^-+C6/^$:L+.+5O%%QI>GZ'8^'=)T
MG2K?C_B7^SW<>.O^%3W/A7XV?%WX*ZW\(EO++2/$7PSL_@QJNI^(=!U/3-+T
MO5O#?BBT^,GP>^+6@2:9J<.C:=-/>>'M$\.^(;>X@)T[7+*&6:&1P48RQ'M'
M[3VU+*8X9IR4,).K4KU,QJU%[.%2<L-3EAZ&(BGB*=3DJSP"J2IQEBYF^:&$
M<(N$J<LUGBT[<]:,*6"CEM&'O3IKVTUC9TY)T73DZ<<7/V=1+#?!7A;_ (*P
M>#];T/XD1W&J_L6ZY\7[6[F\/? C]F7X3_MWZ)\2/VC?BAX^;Q'J'AJS\ _$
M+X77WP0\$:S\(_$,5Y'I<WB&V\/_ /"XYO#-I)XBNKZWEM?#7VC5>A\-?\%6
MOA#\4OB._A;X%>(?V;/BKH&E_"6Z^(?B72+7]K/P;I/[16G:U:_#WQ)\0+_0
M-+_9XM_!VNRZMHW@Z/1K'P[\4=1NOB+HOC_X>Z]=ZM'?_">_L=$BO=7]RL?V
M"? ^I^'D^'7QE^*OQ-_:8^!MGXFM?$FC?L\_'SP=^S#XE^#NEIIZ>*#I7AZ\
MT?PM^SIX,\1^-_#VCWWB2TUK2[;XF^*?'%_:>(/!_@[7DU+^U=+N[K4:&C_\
M$]OA[H.C:!X#TOXP_'B'X*>&-.UFST#X"2ZM\+;SX8:!=7/_  E5KX2U'PL]
M[\)KCX@^"(_AEX?\2VOA3P1X6\#>/?#7@&70_"N@-XV\(>,M9N_%VL>*>2U?
MZC)-_P"W3I8:%*<'"*H>SP>/CC,3BJ4HU*=7&5<56PE7#X'#UE@JE3!4*%3,
ML!A\;C*^&[.;"?7(>X_JD:M:=97J2=55<7@_8X;#.\*D</A\-AJ_/CJZCB::
MS/%S66YC5P6 I2R?V?\ ]O[P;\8/@'\;?C5JOCG]C+5KGX'>"]0^(OC'0_V9
M?VT-*_:5\-^$/!UOX-UCQ7IUY\6/&]S\(?A!)\+-0U%_#'BRT:WU3PKJVEP6
M/AS4]5@UR^-EJ6GZ=\EV/_!9#1M1\.:3<0ZG_P $X[+7KOQ!;6>J^+=7_P""
MG6GVG[,FE:1JOA-O$6B:0/VA;/\ 98U*X;XSSW=AK]AJWP9U?X7Z#J&DZ9H\
M?B:/Q+J.E:OIGG?IU\._@#K7A#X6^+OA3XW_ &@OC3\==+\4Z)>^&;;Q#\4-
M,^ >B^)O"GAR^\.GPV^C^''^"/P,^#OAZ:"*W9[Z&\\4^'O$VK?V@[&74);$
M)8IX/9_L%:EIIT;7M-_;/_:SLOBQHKKIT7QO_LS]C^^\?7/@.UT&+0](^%TV
M@:M^R3J'P=M/!&AR?;]>TU]'^%FE^,'\1:YKNHZGXMU%=4N+<]==P]MCW13]
MDUE+P"L^51CC*CS%2A.?M57J83V,,1[2O.A&+KU,OE&M1I4\7Q8:ZH9>L0DZ
MZ_M18]\[2E4>%PRR]QE"ERSPT,1'&2I>SI8?$<SPL<9&=&K5>$^7OBA_P5UT
M_P"#]GJ?Q0\5:-^R)XB_9;?Q3\/_  _X+^/OPP_;C/C:U\=6WC/Q%\0+;5IM
M$TVX_9Q\.^!+_7_!WA+X-?&/5=1\)>'?BWXEU+4_&OA/1_AQI,UQ?:]JFM>%
M?:/&?_!3GX4?#^YN?''B_P 4?LR^&?V:O$^@_$27X$?&CQ/^V!\,_"NN?'CQ
M-\--!TC5]<D\#?#_ ,2Z-I6B^(_AAJ&IZS9>$M#^('PW^)GQ,\17&OZAH5SJ
M7PTTGPOKUEXCKW3XN?L(?LZ_M!^*)?$O[0'A&R^.-O-X%M/!DOA#XI^'? 7B
MWP0NIV$%]:Z?\3++P[?^#3!H_P 4]+L]8\0V6C>+=$ETW^PK3Q+K]OHEAIT>
MHN%I^$OV)?#OA1KFP/QT_:(\0^"[CP5J7AO_ (5UKGBOP-'X1/BSQ!X A^&_
MBKXMWTOA_P"&^@^+/$/COQ1H7V_4M3T3Q3XHUWX0V?C#6-2\;>'_ (6Z)XI-
MEJME@XU5#&PYX2G3H8N.7U8)_P"T8BKAZ<</+%.<8JA##5,)B:F'E3P]3VF(
MS/!K%T)X2CBHX3HIN@YY?.49JG+%X*69TJGQ4<%3K8CZU##>QE+V];$QQ&#]
MLI5J"HX;+L:L)6>+Q>&9Q?PK_P""H7[#_P 5_B-!\-- _:M_93N/$.MZ;\*8
M_!-AI'[3?PBU_6?'?CGXG7>N::/AQX6T*RU^.^UGQ7HFJZ?HNE?V5I)U+6-3
MU#Q/I=G_ &187,MI%?='\;_^"BW[('[/_P 6+/X.?$S]I+]FWP7XS@T;Q'J?
MC'0?'7[0OPP\#>)_ =W8>'?#OB?PEI7B;PMX@UF#5=,N?'VD^(K6_P##O]J+
MIDMYIWD:CIEMJUM=QLGU!X2^&6@^#/$6L^)M+N]7GO\ 7/"/P_\ !EW%?SV<
MMI'I?PXC\21Z'/;QV]A:S)?W2^*-0.JRRSS6\YAL_L=K8B.87$_B?X=:)XL\
M2^&O%.HW6JPZAX5T;QIH>GPV4]I'9S6GCJRTNQU>2\CGL;F>2YMH=)MFTYX+
MBWBAD><W,-XK1I&\RYW#'_V=[LW'$_4=H6DU/ZMK76(4;/D_C*LH_P#+Q5+-
M2Y\ONH8+Z\FYJ&'^N:J5YJ,/;ZT8T%*[Y_X4:2?V%!62_)_PA_P5NTSQQH/Q
MH\4Z /V'7T_X2>#-1\177@R[_P""@=NGQHT2^T?7O!?A37-1^,_PSLOV;-0A
M^#?PJ\,>(O%5U:>+?B=)XL\9S>';?3["6\\&M?:Q)IFE<MX0_P""T_PO\4^,
MM+\%S_$S_@F3X>FT+4Y[?XM^*=;_ ."H&B67@:PTQ=8L4@O_ (%>(;K]F:VD
M^-US_P (Q=S:K?6GB+3O@S86NOV5SX>MM9U#3%/BQ?N+P5^P[8^![34?"MC^
MTC^T/JOPCOFT>ZMO@GK%M^SFW@?2-8T74O"VL6^N:=XDTK]GC2OC')?SZEX6
MBNKJVU;XIZIHK'5]7A@TFWMAI$.DW+;]BJV\-?$J\^(OPI_:/_:#^#-OJWBG
M7?$NN_#WP/:?LZ:WX!UBV\4^+%\>^)?"AM_BM^SU\2?%>@^&=<\<7WB_Q7>)
MX1\6^'==CU?Q_P"*S8Z[9V:^&K3PYUWPZS;#3C&3RF6#:JT*CDJT,9";<'B:
ML&YRC5YW"I+!KDA2HTZT*7MIU<*Y?/\ 4<;%V^OK,>?"U*?NTYY;*I#FIT8U
M/:1A7A0BY4EBHSO7J5*%2NZ5.EC)^G:3^V#^R3KWPG\3_'K0OVI/V=-:^!G@
MG7+?PQXS^,^D_&WX::C\)_"7B2[F\/6UKX>\3_$6S\33>#]!URYN/%OA2"WT
MG5=8M+^:;Q/X>BCMV?6M-6Y-6_;!_9)T'X3^&/CUKO[4G[.FB_ SQMKEQX8\
M&?&?5OC;\--.^$_BWQ):3>(;:Z\/>&/B+>>)H?!^O:Y;7'A+Q7!<:3I6L7=_
M#-X8\0Q26ZOHNI+;?1=%<YIIV?W_ / _KL?.GC[]L']DGX4>&_AWXS^*/[4G
M[.GPV\'_ !?T-O$_PF\5^/OC;\-/!WAOXH>&TL-#U5O$/P[UWQ%XFT[2_&VA
MKI?B?PWJ3:MX:NM3L!8>(=#O#<?9]6L)+C8\>?M0?LT_"SXB>%?A!\3OVA_@
M9\.?BSX[30Y?!'PO\>?%KP#X0^(GC*+Q/KEYX8\-2>%?!/B#Q!I_B7Q"GB'Q
M+I]_X>T-](TR\75M<L;S2; W%_;36Z>YT4!IV?W_ / /$)_VF_V;;7XQP_LZ
MW/[0?P0M_P!H*X\O[/\  J?XK^ XOC'/YOAT^+HO)^&,FOKXVE\WPFK>)X]F
MB-O\.J=:7.F@W-'@_P#:;_9M^(7Q-\4_!7P#^T'\$/''QD\#_P!M_P#":_"7
MP?\ %?P'XF^)O@__ (1G5;70O$?_  E/@/1=?O?%7A__ (1_6[VST;6_[6TJ
MT_LK5;NUTZ_\B[GBA?V^B@7]?UI_7<^=_ 7[7O[)WQ5TCXA:_P#"_P#:@_9W
M^)&@_"31V\1?%;6_ 7QK^&OC#2/AEX?2VU>]?7?B%J7A[Q+J-GX,T=+/P_KU
MVVI^(YM-LEMM$U><SB+3;QX6:)^V#^R3XE^%WBKXX^'/VI/V=/$'P5\":K!H
M7C?XP:)\;?AIJOPN\&ZW=2:-%;:-XJ^(%AXFG\)^'M5N)?$?AZ.#3]7U:SNY
M9->T9(X6;5+$3_1=% ].S^__ (!\Z:A^V#^R3I'PGT+X]:K^U)^SIIGP,\4:
MY-X8\,_&?4/C;\-++X3^(O$EO-K-M<>'M"^(MSXFB\'ZOKD%QX=\003:3I^L
M7%_%-H6LQ/;J^F7JP'CG]L']DGX8>%/A]X[^)?[4G[.GP\\#_%K2GUWX5^,O
M'/QM^&GA+PI\3-$CL]+U%]9^'WB+7_$VGZ1XSTI-/US1;]]0\.7FI6BV>L:7
M=&80:A:/-]%T4!\G_7R/#/''[4'[-/PR\=^#OA;\2?VA_@9\/OB;\1$T27X?
M_#GQQ\6O /A/QWXZB\2ZQ-X=\.2>#O".O>(+#Q!XG3Q!X@M[C0M$?1-/OEU7
M6()M,L#/>Q/ LD_[3?[-MK\8X?V=;G]H/X(6_P"T%<>7]G^!4_Q7\!Q?&.?S
M?#I\71>3\,9-?7QM+YOA-6\3Q[-$;?X=4ZTN=-!N:]OHH#3L_O\ ^!_7<\0\
M'_M-_LV_$+XF^*?@KX!_:#^"'CCXR>!_[;_X37X2^#_BOX#\3?$WP?\ \(SJ
MMKH7B/\ X2GP'HNOWOBKP_\ \(_K=[9Z-K?]K:5:?V5JMW:Z=?\ D7<\4+XW
M@+]KW]D[XJZ1\0M?^%_[4'[._P 2-!^$FCMXB^*VM^ OC7\-?&&D?#+P^EMJ
M]Z^N_$+4O#WB74;/P9HZ6?A_7KMM3\1S:;9+;:)J\YG$6FWCP_1%% ?)_P!;
M]/\ AO,^=-$_;!_9)\2_"[Q5\<?#G[4G[.GB#X*^!-5@T+QO\8-$^-OPTU7X
M7>#=;NI-&BMM&\5?$"P\33^$_#VJW$OB/P]'!I^KZM9W<LFO:,D<+-JEB)S4
M/VP?V2=(^$^A?'K5?VI/V=-,^!GBC7)O#'AGXSZA\;?AI9?"?Q%XDMYM9MKC
MP]H7Q%N?$T7@_5]<@N/#OB"";2=/UBXOXIM"UF)[=7TR]6#Z+HH#3L_O_P"!
M_78^=/'/[8/[)/PP\*?#[QW\2_VI/V=/AYX'^+6E/KOPK\9>.?C;\-/"7A3X
MF:)'9Z7J+ZS\/O$6O^)M/TCQGI2:?KFBW[ZAX<O-2M%L]8TNZ,P@U"T>;8\<
M?M0?LT_#+QWX.^%OQ)_:'^!GP^^)OQ$31)?A_P##GQQ\6O /A/QWXZB\2ZQ-
MX=\.2>#O".O>(+#Q!XG3Q!X@M[C0M$?1-/OEU76()M,L#/>Q/ ON=% :=G]_
M_ /$)_VF_P!FVU^,</[.MS^T'\$+?]H*X\O[/\"I_BOX#B^,<_F^'3XNB\GX
M8R:^OC:7S?":MXGCV:(V_P .J=:7.F@W-1^$OVH/V:?'_P 3_$GP2\"?M#_
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MBAXC^!_@G]H/X(>,/C3X/_M?_A+?A!X6^*_@/Q!\4/"W_"/WEOI^O?\ "1^
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M^F6BOYFO^'\G[;7_ $@)_P""B_\ X1GQ:_\ H;J/^'\G[;7_ $@)_P""B_\
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MNR_\"C_F?U.T5_+%_P /\_\ @I)_TKN_MO\ _@=\>?\ Z"&C_A_G_P %)/\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M?RWEJD=E>^ [K[,6OFU"2S30?$C:/_%9^RWX[_X*&:I_P3?L/A7X&_X+&?\
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M74/$6F+J?BO5GET75]-G@>VM9(+.W_3O_@I[;_M8?&W_ (*D_P#!*F;]@?\
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M^S"==TSQ]I7@V"7PMJ4%_P"-QJMGX@@F2Y\4+=QOJH]K_; \'_\ !13XB?\
M!>3]IY_^"8'QJ^&/PE^,.G?L._"WQ-KVK^/[#PGK6F^./AW"G@YU\)>%9/%O
MPM^*_AF/7]<\13^&I]*O]1MO#.F"*&1KWQ=IU@\ZS^QF5/ZM7RO#T(UY^USK
MB#"XN<*'ML7+!Y5PSF>;T5/!4ZDJ.';KY<YU:N&Q^-J^RCBXTZ%?ZO16+\[
MRC7IXZM6=&FJ>4Y3B,/&==TL*\5F/$&5Y94=/&5*4*U7V5''<D:=?!8:G*I7
MPCJ5L/[6H\/^W_[$/_!;?]B[]OGX?_'CQK\&X_BOX>US]G;P?K?Q#\>?"KXE
M>%O#.A?$F]\ Z)H[ZH_B_P *V_A_QOXK\&:YI-Y=P77AZ./_ (32TU/3-<AM
MX_$>G:'IFL^'M3U?N_V7_P#@KA^RM^UQ^QO\;/VU_A3:_$E/ 7[/FB_$77/B
MC\.?$FC^#K#XQZ%!\./"EWXUNH/^$;TOQWK7AAYO%'AVT>\\'7,OC.#2M5D:
M2TO-1TR[L-6AT_\ "3_@EAH>L?&GPQ_P52_;#_:G^/OC/XB?\%'--_9N^(O[
M-G[1/P9\:?![P1\$]3^"6G>%?!WB%+-ETOP!J'_"/^/]*\3IX*T+3])\76OA
M7P/-IM[X6\1Z;J&BZA->VNN7OY#?"WPS\1O^"=G_  37^&?[;WPNTO7/%/[.
MG_!17]E']H[]D/\ :^\%V]_=7$7AGXRZCJ_QJ\+? GXP645[J9M+<"V:'1C&
M+.*PTJRTKQ?IUO,-6^(VGK;<>-K*C1S2<945+_5C()Y=5PU;ZY@8<1\05.*Z
MV2U8XMPI4\7EV<X3(<NP,:L9O#X?.<YHJG4JX"$\13Z\'AX5J^7PFJW)_K)F
M%#&T,12>$Q<\FRC"<.RSRA*CS3JX7&Y36S3-L924Z-/$8O+LJC"I0H8JO%/^
MNOX_?\%V_P!D;]G+]DO]EO\ ;)\;_#K]H[5/AC^UQ'J\OPWT+PKX1^&5]X\T
M1=%MS<W0\;Z9J_Q>T/P_IID08M_[!\4>) [\2&(?-7G_ .Q#_P '$G[%7[>_
M[2'@C]E[X/?"_P#:D\-^/_'UIXIO='U?XE>"OA/H_@^VB\(^%]6\6:DNI:AX
M7^-OC'6H9)].T:ZAL1:^'[Q9+V2".=K:!I+F+^?G]J74_'>B_P#!+7_@W1U;
MX8?%'P!\$?B+IOQ,GO?!'Q@^*VH:/I/PT^&7BBWNK.71?&_CS4_$.A^)]"L/
M"GAN_6'5-<N]7\.ZWIT&GVT\EWIE["KP/^P?_!+[X]?M[:O^U;HGA[]KG_@L
MU_P2]_;#^'7B/P?XLTKP]\#?V:?B]\ -;^+6O^/UAL]3T34M%T7P3^S_ /"S
MQ'JEGHND:=XAO-4MK'Q).$M0UU/I-Y#;/-:^K"A36>\48*2E/#99Q%G64X&E
M)^R2HX+(<KQV%7UFG]8KU\2\7CIWISPM*G4MAZ*Q/+6JSPGE2JS>19!C5:.)
MS'(<LS+%5HWJ.-;%YMF.#KU'AIQHT:6%I8?"0G*<<5.<8K$5'1BZ5)8BGXR_
MX.P_^"=?@?Q?XJ\%ZM\&/VT[C5/"'B37/"^I7&G?#KX&RZ?/J'A_4[K2;R:Q
MEN?VC+2XELY;BTD>VDN+6VF>%D:6WAD+1K^TW[ W[=?PC_X**_L^6'[27P3\
M._$;POX&U'Q9XF\'0:5\4](\,Z)XL74_"D]M;ZC/+8^$O%_C?1UL9GNHS92I
MKKW$BAS/:VY"JWY9_P#!9'_D_P _X(2?]GJZ_P#^\RK^A^N#++SRBIB,7_M&
M*AF&,R3VL/\ 9X/%9;A<@QM;,O9+VB4,7#-*]".!YK8=J-;ZU6LJ:[,PY8YA
MAZ6%BZ%"M@*&<.G-^WDL-C,PXARRG@/:6IWGAYY31Q+QG*O;*<J'U:G;VLBB
MBBF0%%%% !1110 5\O?M-?L5?LI?MC^&9?"O[3'P&^'/Q<LOL%QIVGZMXE\/
M6I\8>'(+I95D?PCXZL!9^,O"-UF:1UNO#>N:7<+(Q;S"2<_4-% 7:U6C/XRO
MB-\*OVM?^#;#XG^'_C+\#/&7Q(_:=_X),>-O%PL/C!\&?$LD.I^)?@%=^(]3
M@M;;5[*Y40:7I>J7MS>1GPYX\TBS\->'?&>KHO@3XEZ58ZQ>^#/%.H_UR?!/
MXS_#7]HGX3?#_P".'P>\467C/X9?$[PUI_BSP=XDL%ECCU#2M1C)"7-I<I%>
M:;JFGW*7&F:UH^H06VIZ+J]G?:3J=K:ZA97-O'M?$OX<>"OC!\//''PI^)&@
M67BKP!\1_"FO>"?&?AS459K/6O#7B73;G2-8TZ<HR2Q"YL;J:-+B"2*YMI"E
MQ;2Q3Q1R+_,=_P $%O$GCK]CC]K_ /;W_P""-'Q$\4W?B?P]^SUX@N/C5^SK
M?ZR&@U1OAQXGU#09]958G5(8K?Q%HGCWX7>.6T;30MAI_B36O'.H6ANX]3GN
MD#3XXMOXH[Z?$F[7?FN_;<_JHHHHH,PHHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *^6O
MVY?$NJ^#/V)_VPO&&A2M;ZWX4_9:_:"\2Z-.I(:#5="^$OB[5-/F4AD(:.[M
M87!#H05SN7J/J6OEO]N/0+GQ7^Q3^V!X6LP[7GB3]EO]H'0+18HY)9#<ZQ\)
MO%NG0".**.661S+<J$CCBDD=L*D;L0I!K=>J_,_++_@V;\'Z?X9_X(__ +/V
MM65ND-S\0_&?QX\8ZO(I4F[U&R^-'C7X?Q7$@ !5UTGP-IEH Q9MEJC9VLJK
M^^-?@;_P;->,+/Q+_P $?_V?]%M9X)9_A[XT^/'A#48XI%>2VO+WXS>-/'R0
M72J 89VT_P <6-RL;DL;:XMY0=DJ ?OE0.=^>7^)_GH%%%%!(4444 <=\0OB
M#X*^$_@3Q?\ $WXD>)=*\&^ ? /AS5_%OC'Q5K=Q]ETGP_X<T&QFU'5M5OIL
M,P@M+.WEE*1))/,RK#;Q2SR1QM_G9?\ !6+_ (.0OC_^UIK'BKX,?L?:SXE_
M9[_9D674-$N?%.D7,VB_&7XR:87EMIK[7->M'34/A_X2U:V $'@WPW<VNKWE
MA/<0>+]=U*VU"7P[IG[X?\'9GQ6\?^!?^">7PX\"^%+J]TWPM\9/VBO#'A;X
MD7=H72+5-!\.>$?&/CK1_"E[(K!?LNI^*/#ND>(3$5+32^$8UW"$3I)_G0:?
M;Q7E_96D]W#8075W;6TU_<!S;V44\R127<XC#2&&V1C-*(U9RB,%!; H.BC!
M-<S5];)=O/U/ZTO^"!?_  04T/\ :VT71/VU_P!LW2;VZ^ ,FK3S_!SX1/=/
M:/\ &J\T+5;K3]4\6^.IK>1=1M/AK8ZUI]UINGZ%#+9:CXZO[2\NKV>W\'P0
M1>,/] 30- T+PIH>D>&?"^B:1X;\-^'].L]'T'P_H&FV>CZ'HFD:= EKI^EZ
M1I.G0VUAING6-K%%;6=C9V\-M;01I#!$D:*HYOX7?#SPC\(_AMX!^%O@#3+/
M1O!'PZ\'>'/!7A+2]/@@M[.Q\/>&M)M-(TF""*U2.!56SM(2S1H%D<M)R7)/
M=T&4YN;N]NB[+_/N%%%%! 5\N_M:?L7?LS?MT?#?3OA'^U3\+[;XJ_#_ $?Q
M5I_C;2]$F\3>-?!]QI_BC3+#5-+L]5M->^'_ (D\*>(X'33M:U.TFM8]6%C=
MPW;+=VT^R(Q_45%14ITZL5&K3A4BITZBC4A&<54HU(UJ-1*2:4Z56$*M.7Q0
MJ0C.+4HIJZ=6I2ESTJDZ<G"I3<J<I0DX5:<J56%XM/DJ4ISIU(WM.G.4))QD
MT^(\#?#;P-\-?ASX2^$?@GPUIVA_#;P+X-T3X>^%?"*+->Z7I?@SPYHUMX>T
M?0/^)G+>W-]9VNC6D%@[ZE/>7-Y&C/>SW,TLLC_F))_P0=_X)&2_%0?&-OV(
M?AF/%H\1Q>*AI$>N?$>'X5_VG"Z2):GX%Q>-D^")\.%D E\''X>GPC.A>*;0
MY(Y)$;]<J_%3X[?MM_MX?%O]L;XK_L:?\$SOAC^RWJ.J?LP^$O!'B#]I'XZ?
MM@:[\3O^%9:;XM^)FGC6O!WPB\$^'/@P\?BZ?Q7_ ,(VP\2:AXAO)-1T:,6V
MLZ#J6G^'[W3M(O?$]3JSJ8^.(M5Q&:5O;5GB8ISQBI4IK$8K%U\5)J=.A2J2
MA4JUZU6,9XNKA\/3=7'XO"4*Y2I<N"J48NG0R[#QHQE1E)4\)%U94\%AJ$*"
M]R=2K*I##TJ5.G)JESSFH86C7JTOV@L["QTZQM-+TZSM=/TVPM(+"QT^QMXK
M2RLK&UA6WM;.SM;=(X+6UMK=$@M[>!(XH8D2.)%15 \#_9G_ &4O@'^QYX!U
M;X8?LY^ O^%=^!M<\;>(_B-JFA_\)1XT\7?:O&7BW[$?$&L?VGXZ\1>)]8@_
MM#^S[/\ XE]OJ$.E6GD_Z%8VWF2[_P 6_B!_P6$_:3^'7["?[>GCCQU\#_A7
M\._V\/\ @GMX[^$'PY^*G@*\OO$_CKX"^-#\4O%_@/2?#_Q4\$C3]?\ "'C6
M'P1X\\-Z_P"(=<\+>&]2\3RZ[X;%KHXU_6=6EEN[$??'[>O[9WQ0_9;\1?\
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M'C*N$I5J>+G"$_W6*P^!]M7P6)Q+BZ%/%5,9@(U)8C#9C1P^4X5,-F4:6O\
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M7WPTO](O="N_#7]FZCXTN](\5^;I6HWEK_;'C>P\2Z_'YWGQZJES'%,GS/\
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M0HER]ZMV (H[-L[]E3_@LU\7_'O[?O[;G[./[1W@SX2>#O@#\ [W]KR/X/\
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M64</3JUZ].A&3U5&%;%8FM"DGR1JXBO4C%3JU'(HHHH **** "BBB@ HHHH
M*_EH^/FFCX??\'6G[$.IZ $LT^.W[%_C>+QJ+622VDU2[\.> OVIUAEU)$79
M?QK:_#/P3% )7^5]*MW*J;"W,O\ 4O7\M/[0]\_C3_@ZT_8.T_2"EQ%\(/V+
M/'5QXF\@&:2QN->\"_M<*BWK*0+16A\=>%&B$BDG[;$=Q^V1",+A]K_!+\M/
MQM\S^I:BBB@@**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M*.G+UBXR7>+BUHT?S-?\.3O^"H7_ $L)_M3_ /AH_&'_ -%E1_PY._X*A?\
M2PG^U/\ ^&C\8?\ T65?TRUA>)_%'AGP3X<USQAXS\1:%X1\)>&-*OM=\2^*
M?$^KZ?H'ASP]H>EV\EYJ>LZYK>JW%IIFDZ5IUI%+=7VHW]U;VEI;Q23W$T<2
M,P!Q<Y2C&*YI2:C&,81<I2;22BE&[;=DDM6[)'\V_P#PY._X*A?]+"?[4_\
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MH_&'_P!%E1_PY._X*A?]+"?[4_\ X:/QA_\ 195_2-KGBOPOX9FT"V\2>)-
M\/7'BO7K?PMX6@US6-/TF;Q+XGN[*_U*U\.:!%?W%N^L:]<Z=I6J7]OI&G+<
MZA-9:;?W4=NT%G<21[]"=TVM5&;IR:U2J1A3J2IMK::IU:4W%^\H5*<FN6<6
MQSDFD[)N"J).$4W!RG",TN76#G2J04EHY4YQ3O"27\S7_#D[_@J%_P!+"?[4
M_P#X:/QA_P#194?\.3O^"H7_ $L)_M3_ /AH_&'_ -%E7],M% <\O+_P&/\
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M>B6K&I3;223;:22A%MMV222C=MNUDO(_F>_X<G?\%0O^EA/]J?\ \-'XP_\
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MQE%Q:35C^9K_ (<G?\%0O^EA/]J?_P -'XP_^BRH_P"')W_!4+_I83_:G_\
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M8M5*>(RC#.BZ=9PQ%#^?CX1_M2ZM\-=?_9A\7_&/]H/QCIW[/'C#X2?\%$/
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MX?&'PY\42?$OPYH?P8^'?Q%TF#Q9806LOA#1?B%8_!QO'VE>C>//$_A#XH^
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M++U0P5"FVY4<'E^'P#P>64W4J5<'A,=F.&5:=#'8FE4_G$L?VE-8\3?\%(_
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MX>\(_#'X5:5X-^#UO^RYX?\ "W[*+?#C]@3XE?M5ZW\$?VDKOXC>-_$?Q/\
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MNN2V-QX2_:,\52^!M"^&MGIGB9[GXJ^#(M4FMM?M^+/V6/%=SH/[?/Q-\=_
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M ,\=G^RWH7ACX)Z%XV^)_P"RUXG\6^"?%W_!2/\ :6\;?ML>"M*^"7B/Q_\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MY?LQ_L(_\-$^#_BUXB_:[^)GB?\ 90_X:?\ 'GPC_P"%N^.+KX$?!%M5U?\
MX7K\0?'&K:IX!_L+3_"&D^*_[/T_7--TC5/^$3_L.VL%GUVY^T_O#_P2+_9B
MT[]FKX,?%ZQB_P""<O\ P[:U7Q=X]AO+[X8_\->3_MB?\)Y8Z1X7LH-,\=?\
M)HVOZ];>%]D]]JF@_P#",0O;3-_9G]J7"RI>6Y2\4EA<'FV+DW+^S*>9<M-Q
M]C]9KY7CO[/Q5.%3$2I*I2E6IXB5&K@8YA5]E3A/$8;#M8R.!XE/GHY)6@KK
M.,%1S#E;3EAL+BJ^;4L-SQI>VFJLH9;3G5>(AA<)&IB)X?#8S%U:$5B/U^HK
M_,J^&O[,>O:9_P $X+/]KKPU_P $R/$_AC5O _C2^\>Q_P#!6/P3^W/;P^,O
M =KX#_:4DBU'QIX3_8ONOB#X4CU#Q+X/T_2+GX<Z'8"?0YM2U.PM?&\&J64T
ML>I1_P!%O[?W@KXV? +XX?#SXO\ [!?C[1O!NB_\%L-$^&/[*?Q,G\1)?Z*O
M@[XW>*]/L=5\)?M;Z-X?TZUELX_&VH?!B3QSH/B&RL8M$EM_%#V'BEVU76[V
MX,=SHU$Z="FHU,;5Q]/*8X>4O8J.99E0B^'(XCVJCB\%@L\S&GCLGIXS'8'#
M3H8[#1E#"XK"_7L1EW;B:-'"XW&8>MB5'#8*MFSK8KV<IM8'A[,*&&S[&QA1
ME5H5IY?@,0LV> PN+Q&->'H8C#8FE@\;4RRAF7]5%%?DU^U=^SI\+OV2O^",
MO[4'[.GP9T-= ^'7PJ_8G^-WAS0K9A$U]J$R_#GQ->:SXCURXAB@2_\ $GBK
M7+K4?$?B341#%_:&N:I?W8BB$PC3\#?C+XR^.?P._;1_81_:W^"37FM67[)'
M_!$K]F3XP_'?X9Z;;BXU7XJ_LU'XA7GA+XU>']&$T\%C_;?ACPMXA?XEZ0NH
MO%:K?^"(+I+F.\M;6*YF+PT\RQ&#6)4<'1QF P_]I5H>QHT\-CLJXUS1YEC(
M3G_L>!P5+@]SQ]252H\/@\;7QC4GE_U?&<\*6)G@,/B?8/ZWB,/CJL,NC.,Z
MT\1A,WX,RJE@*-6%Z=7&8RIQ?&.'2Y:#Q6#IX9U_98UXS"?VKT5_!%\3/V6O
MV0OVFO\ @C_^UU^WE?>!4\;?%/PQ^V_\:[;X(_%6/Q=\1=%CL?AG\4/VW?"<
MK)'X0TWQ/I/A'4DUSP[X_P!:9;GQ'X7O]7LEU8/;W%I<V5DUI]F?\%1_^">O
MP ^#WQ)_X)0?LE_LT_L%?\--?#'4]8_;A\70_LB_\-2>-?@Q_P )MKM_X"^$
M6N:SK7_"_/'WC74_$'AO^P9M.B\5_P!G/XDCL]4_L;^PK2V1=1:%\Z4<0Z&
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M!/!>N?!#XVZ/-)F2YTWXJ?#)M+U.XDOO)U=_$&G:]/J%G +BV>?Z>_X(^?\
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MM,7>B>/?#GC/]G#X?_\ !0+]E+]F$?#KXM+\8?BI\8H/#WQJ^$?[&WPYBNO
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MX>I2Q$OZ6**_(^T_:]_:C^VZ[^SM+??L_P!_^TM%^V[8?LD:+\9A\,?'>@?
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MC.Q^$'B&36KJW%_XLMM:\"7UEXTU.ZU+5/%UMK>HZMJES>?<GQS_ &?/@_\
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MRZ5:^+K+X93KXDOO&5SIW_"2^*O!6K^+- ,@L_"GB_PAHNN>,K7Q%I?L>_M
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M^"NFL_"?P]\3?$^F^(]=\+7/Q!T'P5IOC"T\"ZI>?#[3-9LO \I\/UQFC_\
M!)'XKZ)I>OZ);_%_]D"_TGQ%\&_B/^SO+8>)/V8_V]O%UMH/P'^+$7A:'QI\
M'? 2>*O^"Q.L_P#"L_AM-'X+\.+X;\'?#H^%]"\!&SN&\!V7AIM6UAK_ -2\
M/_M2_'._^-/PG^#?Q0/P[\4^// O[?\ XV_9P\4^,?AE9?%[X,^"?&>A_P##
MO[QA^TYX:URT^&H^-WCU(;F"7Q%HOA35O#WQ.\3?&/P<;W2)O'.BZ#I/BN'P
MG?\ A'V3]@S]IOX]_'?5?BIX:_:)TKP9X)^('@K1?A[XAU#X36?P1^/?P0^(
M'PMO/&.J_$?1M6\*:]-\7;_Q/X'^/W@?3]3\!SV'@+]IKX%^+U\ ?%*XL/%+
M1^!?!::5IPUCJI_2;\<I5%BZ7&]-U,1D^25UB5PMP="K7RA89YAD>'YI\.PQ
M%2A@:/$&-JTL.X/#Y34S+$TJKPN)SBA2QTU<HPF&K.M.C6IU_K/UZK5^MXE5
MECYYUFV7O&.K'$2]I7J9EE-6K#$QJ/%5Y5?K482HTL1B8?0W[/GPT^/W@"_^
M(NH_'/XO_"WXIR^,+SPI?>'[;X7?"?XT?";2?"LFA:!_PC6IP)H?Q6_:W_:@
MT6UTW5=-TSPS-;:1\.[#X8:5!KEIXH\4>(K/Q=XF\9W^KV7KGQ.^&O@KXR_#
MGQS\)OB3HO\ PD?P_P#B3X5UWP3XTT#^T=6T?^V?#'B73KC2=:TS^U=!O]+U
MO3OMNGW4]O\ ;=)U*QU"VW^;:7<$ZI(OXXZ-\5OVD?AK\6?^"C_Q1N?B/HGQ
M(\3?\-C?L[_L@?LZ^#/$L7QTL?A-\)K?XO>%_P!FN'P_K_B#P!:_'3Q+\/\
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MI1J8F67YI/&48JTJ%>3S7)LPK55R57B,QH*3>883,J. 5>G+"2G0JP]G:?\
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MU#2O$GQ-\*_#[1O'VOVFO>*4U?Q%>'Q9XE;5>?\ &7["O[,'C_XFW_Q<\6>
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M+M!U'X6:C'H/PA^'?@[X0>&="TCXI?&'P]HGB+X3?#^]M-1\&_"_XPZ3X?\
M'^F:?^T%\//#]]:/=6/@KX\VWQ(\-B?5/$;S:;*?%7B7^U>L\7_L5?LV^._B
MN/C/XF\":Q=>,YM9\%^)=;TZP^)GQ6T'X8^-?%7PX%JOP_\ %_Q*^"'A_P ;
MZ7\%OBAXQ\%+INB)X5\7?$7P!XG\2:"GAGPBFF:I;+X0\,#2?JBBM)2E*49R
ME*4X8BMC(3DVY0Q>)Q'UO$8J,G=QQ%?%_P"TUJZ:JU<1^^G*53WA<S]_5_O*
M$,+/7X\-3A"G3P\_YJ$*=.G3A2=Z<84X1C%1A%+X8\-_\$VOV-?"UEK6FV'P
MKUS4]/USX0>//V?9+'QC\9/CE\0+31O@7\25\,IXI^$'@VW\=_$KQ'%X!^&^
M/"&@MX9\'>!T\/:#X$DMKN;P+8^')=8UE]0ZX_L+_LS/XX\)_$2Z\'>+]1\3
M^$;/X<6Z'5_C7\<M9\/>--0^$$:Q_"[Q?\8O!6J_$B\\%_'CXD^ GAL+OPO\
M4OC7X?\ '_Q(TC4]%\.ZK:^*H]3\-:!=Z;]<T41E*#HN$I1>'E3GAW%N+H2I
M5L3B*4J+5G2E3Q&-QE>FX<KA6Q>)JQ:G7JRFYRE44XSE*<:D<1&I&;<E..+6
M&CBHS3NI1Q,<'A(XA2NJRPN&53F5"ER_(<_["/[+EQ\9=/\ CT_P_P!=7XA:
M/\1Y_C#HT,'Q8^,=K\.-$^+%[H%SX8U?XEZ)\$[;Q_%\%]&\=^(]%OM0M?%G
MBO3/A_:ZWXNFU+4]0\37NK:CJ-]=W'?^-?V7O@7\1/%^M^//&/@;^V/%?B.;
MX$SZSJO_  DWC#3_ +9+^S/\2-9^+GP2;[#I?B"QTVW_ .$*^(>OZOX@VVMG
M OB3[7_9/BT:]H<%MIL/OM%33;HPP].C^ZIX2M2Q&%A3]R&&Q%"&&IT*^'C&
MT:-:C3P6#A2JTU&=.&$PT822H4E$G*525:=24IRQ-*-#$2FW*5>A#$2Q<*-9
MRNZM*&*G/$QISYH1Q$Y5DE4DY/SSPG\*? '@?6/BCKWACP\FGZI\:/&$7C[X
MF3RZAJ^I1^)_%<'@CPE\.(]3DL]5O[ZRTM!X,\#>%M%?3=$M]-TF5=,-_+8O
MJ=]J5[>?/OAC]@3]E'PA\//'OPJT3X;:M_P@?Q-^#&D_L\>,]%UCXI_&#Q++
MJ'P4\/WOQ%O?#GPZT_6O$OC[5M>\-Z!X:_X6MXYT[PTGAG5-'NO#V@:EIWAG
M1KJQ\/>&/"NEZ)]BT4TW&/+&ZBJ.&PRBM(K#X.C+#X3#V6GL<+AYSH8:E_#H
M49RI4HQA)Q=*M5B[QJ5$W7ABFU.2?UFG7ABJ>(NG_'IXFG3Q$*O\2->G"M&2
MJ1C)?,/B7]C;]G3Q=\6=/^->N^!M4G\<V5SX(U&\M[+XC?$_1OA[XLUSX92O
M<?#?Q3\1O@[HOC/3_A!\4?&?P^N!97/@?QK\1_ OBKQ7X3N=$\,7&@:SI\WA
M3PT^E>O>,?A;X$\?^(?AGXJ\7:"-7U[X/>+M1\=_#F^.I:Q9#P]XJU;P1XL^
M'&H:H;33M0L['6!<>#/'/BG1C8:];:IID8U3^T(;./5;+3KZT] HI?\ +OV7
M_+KVE2M[/_EW[6KR>UJ\GP^TJ^SI^TG;FG[.',WRQMDDHKEBDHO"_4;)67U)
M4JF'6#LM/JOL*M6C]7_@^RJU*?)R3E%_+7P?_8M_9K^!&O\ B#Q)\,OA[=Z5
MJ'B#P[>>"XK37_'WQ)\?>'?!G@/4=8N=>U'X<_"3PC\0?&'BGPI\$_AKJ.KW
M$=YJ'PY^#^B^!_ ]\VF>'XKK0)8/#/AZ+3+/PS_8U_9I^#VL_"CQ#\.?A=8>
M'M;^"'PM\0_!?X8:F=?\7:Q=>&_AOXJUW3O$NNZ#))KWB#5/[>N;S6M-CO8_
M$?B4:QXHL?MVO6VGZU:VGB;Q%!JGTY133:Y;77+!4XVTY::IXZDH1[05+-,R
MI**T5/,<="W+B\0JE3DZCJRJ-SEB)QJ5W-N3K5(2P<X3JN5W4G">7X"<93YG
M&6!P<DT\-1</BS3O^">?[(FF:5\3M M_A?JMQX=^+/@?QY\,O$/AG5?BM\9-
M<\,>&?AQ\3]1?5OB%X!^#7AO6OB#?Z'^SUX-\8:E]DO==\,_ 2P^&VC7L^C>
M&WDLO^*7\.C2_H_X@_"CP!\4_#>C>$?'F@?V[X>\/^,/AYX]TC3_ .U-:TO[
M)XL^%/C+0?B!X!U7[7HVHZ=?3_V#XN\,:'JWV&YN9M-U3[#]@UJSU'3+F\LK
MCT2BB,I16'46XK"3HU,*HMI8:IAL0\7AYX=+^#/#XJ4L31E3Y94L1)UJ;C4;
MD.<I5)2G.4ISD\0Y3FW*4GBZ5"ABG*3NV\31PN&HXB[_ 'U+#T*=3FA1IJ/P
MM^T?^Q1HOQ8\%>.M&^%5SX ^&OC7XG?&WPG\=_&WCSQQH/QW\:Z@GCWP?X)T
M#P%I/B[X>:G\&?VH?V8/B7\(?'EKX<\&>#=#M/%7PV^*?AVS7P]8>)-'U#PY
MJA\:Z]>R7/V8OV%OA;^SMX5\#1WCR>._B=X3T7XZ:3>_$8R^*M!MKZ/]I3XD
M:1\5_C%8Z9X6O?&GBN6+1]:\7^'O#KZ1>^-?$OQ"^)%EIVA6SZ[\2_%'B/5O
M%GB7Q)]NT5$(QITZM*,(JG7IJC4@XJ2=!9=3RCZO'F3]GAGE5&EET\-3Y:%3
M!4J>&G3E2A&*JI5J5?8\\Y2^KU?;TG=IQK^UKUO;-QLYU56Q->JJDW*:J5'-
M24E%KYW^%W[*?P(^"WB'PKXG^%_@_4O".J^#/@?X+_9QT1++Q[\1;O1G^#_P
MYN[J\\!>&]?\-:GXLOO#GB[5/!TNH:M'X;\<>+=*UOQ]I%GKOB'3[+Q/#8>(
M=;MK^?2OV6?@-HL7@*#3O 4<4'PR^+?Q1^.G@F&7Q'XNO(M'^*7QH7XF)\3/
M$TL=[K]PFKQ^)T^,7Q'5] UL:EX9TI?$970]&TP:3H8TSZ!HK6I4G6<G5G.J
MYNK*;J2<W.5?$3Q==R<F^9UL54J8FJW=U,1.=:=ZDI2<<TK3C=\M10517=IJ
MG@)Y534UM)4\KJ5,M@G?EP%2>#C;#RE3?PAHO_!-']C#0M*U[1+;X7>)-1TO
MQ#\'O'G[/<]IXG^-_P ??&2:+\"_B0/# \4_"#P0_BWXH:W+\.OAS_Q1^@-X
M:\(> )/#6A^!7M[U_ UEX<?6M;;4?;O&W[+/P%^(T_Q0N?&OP^MM?N/C+\.?
M WPI^(<USKGBF!]7\%?#+5_%_B#X>VNFFRURV_X1/7O!GB#QUXE\0>'?&WA#
M^P?&VEZ]<Z=K5KXBCU/P]X=NM*^@:*B3YZ<:,O>I0C*$*4M:<(3J5ZLX1@[Q
MC&=7$XFK**24JF(KS:<JM1RIU*C?,YS;YW4NY-OVCJX*NZE[WYW7R[+ZSE\3
MJX#!5+\^%H.'S%\,?V-_V=/A)X9^+OA'POX$U#6=$^/TDDOQN7XI_$'XE_'+
M5?BL\WA2#P+<?\)[XB^-?C'X@>(O$ZW?@VUM?#-Y'JNJW,=YHUM;V-TLL,,:
MKYS9?\$Y/V2;+PYJ/AP>#OB3J$]_JW@?6K3QWKW[2?[37B3XT>%+SX:6VOV/
M@&'X<_'OQ!\8-3^-OPNTKPEI_B[QGINB:#\./B!X5T.STOQOXXTQ-.^P>-/%
M%OJWW'10]92FU>4HX.$I/XI1RZ?M<OC)[N.!J?O,&GIA9^_04):B4I1CR1E*
M,.;$3Y$VH\^+Y?K4^5:<V)Y8_6)6O6Y8^T<K(^>/ W[*/P ^&TOP\N/!/P^A
MT.Y^%GPW\??"?P7=1^(O%U[=6?@OXJ>(/"GBSXDQ:S<ZEK][/XP\2^.?%7@K
MP_XF\4>/O&,FO^/M9\0PZGK=[XFEU/Q#XBNM5CT']DK]G?PYIOPVT;3OAEI<
MVB_"3X$^(_V9? FBZWJOB/Q-HVG? KQ=!X&MO$WP\U;2?$FLZMIWB[3-:M?A
MMX,M;Z_\86VO:Y+:Z3+;?VH(=6UI-1^BZ*)^_&<9^_&I&K&I&?O1J1Q"S-5X
MS3NI1K+.LX552NJBS;,U/F6/Q7M2,I0Y7"4H.#BX\K<>5P>'<'&UK.#PF$<6
MK.+PN':LZ-/E^/?!_P"P5^RWX(\.7'A?2O GBC5]/N?$_P '?%;:AX]^,WQO
M^*'BR"\_9]\6V/COX*:'8>.OB5\1_%GC;3/ /PT\76 USPI\,-.\06OPWTV[
MU#7U3PHT'B;Q%#JGLGQH^!/PQ_:!\,:;X3^*&BZMJ-CH7B33/&/AC6/"WC3Q
MQ\,_'7@WQ;H\5Y:V'B?P+\2_ACXD\'_$3P+X@33M2U719]8\(>*=%U"^\/:U
MKGAV^N+G0];U;3[SUZBJJ2E52564JB6)AC$JC<TL736%C3Q2YK_[33C@<%&%
M?^+%83"J,DL/2Y",I1DYQE*,I4Y4I2BVI2I3C.$Z;:U=.<*M2,H/W91J3BTU
M.2?@'P[_ &6_@/\ "C4/AGJOP_\  ,/A[4OA!\/_ !Q\,? =]'K_ (KU"ZT_
MPE\3/$GA+QC\0UUF;5]=OW\9^)?&WB[P1X=\4>*/'?C0^(?'>M^(8-3UF_\
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MMA<7-Q=TYXK#8G$8?$2:O7H5ZU*JY4ZLXR\"T_\ 9?\ @9I7_")_8/ _D?\
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M;I']K:7XC_X1N7_A7WV^]TZ/7O%<\K?K'\&/VE/B#??\$@_V@?VH/!?[<_\
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M]F?V+JTT5E>SRC]%O@UX7^(W@GX5^ _"?Q=^*7_"[OB;X?\ #>GZ9XW^+?\
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MF_91^&7Q/^#7P*^'4'P0;PKXU3P!X[C\%Z;X?;XK?%:;XL>*+;Q]XR\$>&?
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MR0Q$^&<PCA<>O=E.+AGU6C2QEI-+V.78C"8.<5F.)GS_ .W%^W5^T=\!=?\
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M/B_\.?#OPZNOAE\+OB=\=-0\(V?@?P/XIB\3?%3PY\0K_5$L?'_@3Q)XIO\
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M&_:@CT_XJ'0O%7QT_:7^%7[5/P^\2GP'9:Q:_"7XC_!;PC\ ]'\"VFJZ#?\
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MW/\ A=W_  T/_P 6U_Y&V;^S/^$8_P"%]?\ (Y?\3#^VO^$4_P"15TG^W?\
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M^*O^%0ZMXH^+7Q!\%^,/ =WX'U[1_$_A6Q\9?$A=<V:;K/AV^4ZO#H=O[[\
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M?AO\5Y]8U_QA=>.[+X;ZOJGPZ^*OA#X<?&2[^&.H3Z=X^MO@-\8?&?@?P_\
M"7X]S>%Y+6]O-33X->-O'++HEAJ/B*'S= T^]U*#SCQ%^QYXW\3?\%&_$G[5
M]]KWA>#X/^)?V KK]DNZT>PU?7K7XFP>,;_XR:MX]N]<M+1/#PT"V\.)X<U(
M6]KJT?BO^VXM<3RQH*VB+?M\D_ +_@G/^T[X9MO^"?GP;^+_ (D^!5K\#?\
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M#70_C=H.I?!O5?%^FQ^'9_BK\5?C!!XR\.Z7J@\11/KE_8ZC9^F?![_@C+\
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M(>!?%_B._N[?P^^GZ;I'A_4+S4+NVBB!;YJ_X>A_LF_\^O[6?_BNS_@H9_\
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MOE,:>JG*6%S-YI"IC%&*TAEM3)<SECX-ITL)A*V.C*>'C%U/ZK?^'H?[)O\
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MTZ5?%5:,9*/)&K]1P6/Q-)3<8UIX:.%A+ZQ7H0J?U=?\/0_V3?\ GU_:S_\
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M*I/-_P"R5A(T(."J592J9S@Z4K0MS>TE3=2E&%2I^E'_  ]#_9-_Y]?VL_\
MQ79_P4,_^A<H_P"'H?[)O_/K^UG_ .*[/^"AG_T+E?!_PE_:=TWXF^-H_AWK
M_P (_C+\$O%^J^ E^*'@S2/C#I'@:QD\>^ H]3L-(U;7/#TW@'X@?$&#3;[P
MU?ZWX;A\4>#O&TGA'Q[H \3Z')J/A:&.XN&M:?CO]K3P5\/_ (M^)OA/JO@S
MXBWR_#_X5V7QK^*/Q(TZU\%0_#?X8_#2];QG''XB\4:AKGCC1O$]\ZS>!-;B
M;1?!GA/Q7X@=?(NK?2Y[&+4;K3W.,:2INI+D57VSBY^ZK8;ZQ];YV]*7U/ZG
MC%C?:\GU*6$Q4<5[*6&KJ$TY.KS^RBZOL_8-^RDJG-]:EAHX3V3@I>V^N2Q>
M%C@O8^T^MO%898;VKKTN?[\_X>A_LF_\^O[6?_BNS_@H9_\ 0N4?\/0_V3?^
M?7]K/_Q79_P4,_\ H7*_-_PU^VQX'UFSFE\1?#+XR?#;5+3Q-\&-(U'PUX[T
M7P/%K^E>%/V@=2ET+X4_%75H/"WQ!\56&G?#_P 0>([6^\-WZ7>H1>.O"FM:
M??6OB[P1H4=NTQVK[]I;P7JWQ/\ "7@?3;OXEZ7)#^T3XA^ [7^DZ1X"E\$>
M-O&7A_X!^)/BUK^G:QJ.MR:IXDB\%^&K*UN=/N]4\*Q>&_$R?%+PU;Z#*]YX
M0CU\W[]E:4X.\9TN?VT)KDG1]E++85_:PE:5-T)YME].O&24J-;%0HU%&M&I
M"*]I'DE47*Z<:$\0JD9QE3J4HX?&XN+I5(ITZGML-EV,Q-!QDXU<-1>*C)X6
MU9_H-_P]#_9-_P"?7]K/_P 5V?\ !0S_ .A<H_X>A_LF_P#/K^UG_P"*[/\
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MZ1DX\L6N9RE)0C"G]6JXU5ZLI)1H8>6"P]?&0Q-9PH3PE.>)C4E1BYO]'?\
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MYX>$8\TL4ZBP]I+EJNE4I4JG+.W)[LJU)W<DG3K4:L;TJD)R^D/^'H?[)O\
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M\ ZMX@3=>>(KC31>ZIJ6J.LT>L6>F6&CZ/IG[#_\%(/^1G_X)X_]GO\ B/\
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MQ^)_'GB=_ W@^VDU+P\/ ?A;2K2PU2'2_!ENNL'[%K^+?V9-!\=^-/VB=?\
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ML62?%'X\>!/BMJ7BKX8P>'OA_P")?AIXE\+F3X Z&_[0?@JW^&E[!J]M\/\
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MLBZ1XGUGQ7KOB#X1:'/XB_:-\::#\*O$?@3X2?%#PMHFI>%/'/@?01J^M_\
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M_BGXRM/CK\</BY?:QKOQ6B\#:M;_ !@\"_#+QMX,\$_"?X4Z=/XD\&QVFI_
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M:UJ=S96OU7_PTMX8_P"B-?MO_P#BN3_@H%_]#-1_PTMX8_Z(U^V__P"*Y/\
M@H%_]#-3@E3J4ZT)<E;#8A8O U(M<V!Q:HJE+%8?GYTZ]3FKRJ*LJN&?UB:C
MAHV3$W4E&<)QE-5W".*YDU];H4OJ*P^&K\B@W2PRRW!1HN#A6C&C9U6JE;VG
MSGX@_9P^-'Q3LOVD_&WQ5\&_L]R>./C+\/?A5\*=#^#8\<?$OQE\*7\%?"WQ
M!XM\5RS^)OBQ9> /A/X]TKQSXJU3X@>)(/#GC;PU\.9;[X-WFE>$O%6AVOC7
M4-/N]*N>1C_9N_;$TOX00>%M)^(<%Q-JWQVU+QKXH^%&K?M;?M#7<UK\&)_
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MM8^%?CO78/ '@ZZ\+?M.>+_C[\2--'QS_:$^/-])X=NOV9_&?P*TLWGQD_:
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MNOO#DG_++_P%_P"1]#T5\\?\-+>&/^B-?MO_ /BN3_@H%_\ 0S4?\-+>&/\
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M6_TVR\5?L!Z5<WUE%<JUO)=6L4L"3JT32"0%:Z?Q?_P4H_:8^'VBZ#XD\??
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MVC^W5_T9U^R9_P")\?&'_P"ESU^*'B#]H?XN_&GX50Z1\5?"6HV_]B?M&_\
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MU6A34)6G!U,'E]?%_OU1G'_<YPACY4<+5_3S_AM']NK_ *,Z_9,_\3X^,/\
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M5*%>\%AYQKU%7DJBAR8/"3QF/M"WUB53!T8P=6G"A*=25:$,.JU248/],?\
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MTGQ<MSX0^)JW&K0+I\0T[F?AW\2/B]XQ^._P5CT36/AO\.OA=J.E?\%--/\
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M4L!6S.5=TW%5I1>"P]6K[&G2GBX3MAJN&IXJ<*+_ %<_X;1_;J_Z,Z_9,_\
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M"DH5J4JM"O3YJM*JTG&/UE_PVC^W5_T9U^R9_P")\?&'_P"EST?\-H_MU?\
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M$*O/2IJI*,7%X9XOW;MJBH9O6=U=-R^K</YUBN6/-^[P$Z:_VG$X&AB?T_\
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M/"GQ&\;>%?COI_PO\9^)_!?[*W[2]MJ_PU\'WNG:%J]SXK\;_L2>+_%7AO\
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M_"Z/P#XUU31M$\0_!KP]X6EGT/XAZKXD^(5WIWQ0\"?$2WUO6;K4?#=GX,\
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M "BBB@ HHHH **** /ST_P""H?\ R:;:_P#9V?\ P3L_]>&?LN5\Y?$GX:>
M/C#X'\1_#3XI>$-!\>> O%MC_9WB+PKXET^'4](U.V6:*Y@:2WG4F&[L;V"V
MU'2]1MFAU#2=4M+/5-,NK34+.VN8OHW_ (*A_P#)IMK_ -G9_P#!.S_UX9^R
MY7E55R0JTY4ZL(5*<])0G%3A)::2C).+7DTP]I.E*E4ISG3J4Y\].I"3A.$X
MN$HSA*+4HRBTG&2:::33N?#W[./_  3;_8D_9+\87?Q!^ 7P$T'P7XWN[!M,
M7Q3J'B/QWX\UO3+*6.XANH?#U_\ $7Q5XMG\,'4+>[GM-5F\.-I<^K63BRU.
M6[M8XX4^B?A7\#OA=\$Y?B/-\,?"_P#PC,GQ;^)OB7XQ?$)O[:\1:S_PD'Q'
M\8)8IXB\1X\0:OJJZ3_:*:;9#^R-$&FZ%:>3FQTNU,DID]8HKHYY^Z^:5XT)
MX6.K]W"U,13Q=3#1UTH3Q5*EB9T5^[EB*5.M*+J0C)<UE[ZLOWE:&(GI\>(I
MT9X:G7G_ #5J>'J5,/"J[SC1G.E&2IRE%\!\5/A=X%^-?P[\8?"?XFZ'_P )
M+X \>Z+=>'?%F@?VGK&C?VKH][M^TV?]J^']0TK6K'S-B_Z1INHV=TF/W<Z9
M-<1\0/V9_@E\4O"?PK\#^._!7]N^%_@GXP\"^/OACI?_  DGBW3/^$9\6?#6
MSFT_P3JWVW1]>T_4=9_L6TN)H?L/B"[U;3=1W^9JUG?RJKK[M14Q]R7/'W9^
MUPE?GCI+VV JU*^!K<RL_:X*M5JUL)4OSX:K5J5*+A.<FZ;;2BVW%4\512>J
M5+'4Z='&TDGHJ>,I4J5+%0^'$4Z=.%53C"*7PI^T1_P3/_8:_:L\<#XE_';]
MG_0?%_CUK&WTZ\\5:9XF\?> =7UFVM(8;:R;Q'<?#GQ9X2'B>[L+*VMM.L-1
M\0KJ>H6.EVMKI=I=0Z?;0VT?LNM_LH?L[Z]X*^$'PXNOA;H.G^!/@)X^\)?$
M_P"$7A3PS<:QX-T3P7XZ\#3ZA=>&==L[+PEJ6B17YLKO5=2O+K3M9&I:3K-[
M>W%YK=AJ-S(TM?0U%%)>PA&G17L:<,10Q<(4E[.$,7AJLJ^&Q48PM&.(P]>4
MJU"LDJE*K*52G*,VV.I.=67/5E*I/ZO4P?/4;G+ZI6HQP];"\TKOZO5H0A0J
M4+^RG1A&G*+A%17@>N_LO? ?Q+\?O!G[4>L?#RPN/CW\/_#>H^$?"WQ$@U7Q
M%I]_9^'-4MM6L[O3+_2M-UBT\.^((UMM<U:&RG\1:/JMUIBWT_\ 9L]H2I7B
M_P!J#]A[]EW]LZ/P7%^TI\,/^%D1_#U]>D\'K_PFOQ#\'_V0_B==(77#GP%X
MM\+-J'VY="TH8U0WHMOLN;,6YGN?.^L**ATZ<H4J<J<'"A.I5HP<(N%&I5JU
MJ]6I2BU:G.K6Q%>M4G!*4ZM>M4DW.I-R<:M6%25:%2<:TZ:HSJQE*-25*-!8
M:-*4TU*5..&2PZ@VXJ@E22]G[I\8_L^?\$]?V./V6+/Q[9? ?X):3X&_X6;H
MC^&O&VH-XF\=>*M=U;P[)%-%-H<'B/QIXI\1^(-%TFY\\SW6GZ#J>F6MW>0V
M=_<Q2WMA8W%O]%?"7X4> /@9\./"/PD^%F@?\(O\/? FE)HGA3P__:FM:W_9
M6EI--<+:_P!J^(M1U?6[[$UQ,_G:EJ5Y<'?M,I555?1**U<YOFO*3YH4*<KM
MOFIX7V_U:$M=88?ZUB?81?NTOK%?V:C[:IS9\JT?*M)UIK1:3Q'L57FNTZZP
MV']M):U/84>=R]E#E\_UKX6^!/$7COP]\3-8T+[9XW\*>$_&'@?0-;_M/6;?
M[!X6\?7/AV\\6Z7_ &;:ZA!I%U_:UQX3\/R?;;VPN-1L/[/V:9=V<=U>K<UM
M)\&Q?"CX3Z5X!^"_A30WMOA]X*T_PI\-?!GB;Q=X@T;P\+/PWI,.E^&]!UGQ
ML^A_$3Q-8:=';6MM9W6O2Z!XNU=(E:ZEL=4N=RR^=?M(_''Q-\$=*^&'_"&?
M#:+XH^*OBM\7/#GPAT#0+KQBO@;3K#4_$VB>)M5MO$.M:\?#?BR:W\/:0_A[
MS?$3V6B:AJEIH;ZAJ>DZ;KFIV%IX>U;YSU/]MSXGV.JZ/\+8?V>-!N/VB+C]
MH*'X :[X(E^,^H6_PKTZZU7X.:W\=?#_ ,0M%^+<?P=NO$.O^"+SP%I49U43
M_"'0_%&BZ['K>EGP[?QZ587NNXPDJE+$4J,I1A"NL%4C3C9_6?:8:O&$*4H.
M-9TJW$]'$.4:=6E2J9KB*M1KVF,:W<9QE3E449VPU3'VG434<'1ABXU<15<9
MJ="@J>2XFE*I.5*ZPE*E&7-+"QGZ[\$OV0?AI\/OV8O^&<O%_@WP=K7AWQ7/
MXM\2?$G0-(MKR/PS?>+?B!XJU'QOKW]A7DJV&NQVOAG6M1AT[P-X@+:9XDTG
M3O#GAJ_LGT?4M.M!9]);?L?_   @\"^/_AY=^%O$WB'1?BC?:!J7CO6?&?Q7
M^+WCKXCZ_?\ A*:PN?!UV_Q>\9^.]=^+%A-X)O-,LM0\$-I7C2Q_X0S4HY-2
M\,?V5?W-U<3>,VO[9OCE[FQ\;WOP-T>V_9S?X\1_LZ:K\4(/BX]SX]T[QN/'
MY^"]UXLC^$TOPVL]-N/A3#\;A_P@T7B"[^)^F>.9=(*^-9_AI::6PM3M>%?V
MM?'_ (P^,OC3]GW2O@%<0_%/X5V_BS7/BD-1\=7]CX T7P==V5U<_ 37_"7C
MN3X=-#XVN_CI.([9-#BTC19_AV?#GQ+'B.ZN[SP?H=AXW<G3<)U%37LYT*J=
M.G"=5_5\LPV#QGU94_WE:?U3"8C!5J&&ESUG2=.5&$_9R<9C"M&;YIR]I0Q?
M/5K59PINGC\5B<1AJN(K56Z=.CB:V/HU</BJ\G3<<=6HX>O*%?&86G6^C?A-
M\$/AM\$+'Q/8_#G2-7T__A-?$B>,/%^H^(?&GCCQ_P"(/$WBE/#N@>$SX@UW
MQ/\ $'Q'XH\1ZGJL^@^%]#L[R]O-5EFOI;(W]ZT^HW5[=W'S/+^PUX \:_'G
MX^_%WXM:;/X@TWXG^(/A==Z)H7A[XF_%?PQHWB#PWX \#>&]'/AKXT> O#&O
M>%O 7Q.T*'Q3I6J:AI/A;Q]IWQ \.#3-7U.*2SM4U_7--N>T^"?[6%G\<=>^
M%6A>'O!,UA-XQ^ D_P :/B.MYXACFN_A%J[^*;+P-I?PWU*T@T;9KVMWGC#2
MOBEH=UJ N]$BL)OA?JSK8WAU!(['6_;B\0Z_X2_8W_:B\4>%=<UCPSXE\/\
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MOB_Q=\1?%GBS6OB#XQU71-3\'^%8+,^*?$^L6XT+P]I'A:6"3PQ8P:.GRO\
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M1G_A:GPW\%_$+_A'/[3_ +:_L+_A+_#VGZ]_9']K_P!GZ3_:G]G?;OLGV_\
MLO3OM?E>?]BMM_DI\V^!OVS9O&O[3?B?]G]/"OPSTN+PQXG\8^%M1T_4?COI
MVE_M%:6GA+P_;Z];^/=8_9J\2^!O#FHW7PE\80SV\G@_QUX ^(7Q"DU#2]9\
M.:U?Z%I=I<^(E\*Z5J:H8FO@ZZA3Q%##8YXB$W#EIX3!JCA\?SU;^R]C3C.C
M2J+VCA.GRJ*G".F3E*I1EBI2E.E*K0YIR;E*=;$5\3BZ#<7>I.<\56Q6(4N5
MM8G$5:DFJU=N?U%\*?A+X%^"?@32OAI\.-.U;2?!.A"YBT31=7\6^,/&?]CV
M=S*\HTG3-2\;:]XBU>PT*Q#_ &?1] M;^+1="L5BT[1;"PL(8K9/(A^QC^SW
M%X$\"?#JR\->,](T'X6W^K7WPTU/0/C3\;_#OC_X?QZ[;36.KZ+X,^*VA_$7
M3_BCX9\)7^G3#2Y_!.C>,+/P@=)M[#2ET-=/TW3[:V_.GQG_ ,%-/#GQX^!/
M[4FA_#G6?!OA'Q(?V4/CC\8O@]KOPN^/^E^,_BKH>D>!DDT)[CXL>%O"VC:%
MJG[/OQ+SKOA3Q5X7\-P>)_&=V]A<ZS'>:WH7B#PIJ&E-]*>.?^"C'P_^'/[0
MVF_ /5?^%<"+2_%OP9^&OC&\\1?&W0/#GQBD\8_&O3M(N?"]]\-_@1<>']0U
MOXE>!]#;Q3X,;X@>-)?%GA1=!M]:UBYT;2O%3>$M;A0C!UJF%CR.5;,5AJ6%
MA.+56O&.+JX2C"<9I3I1P^.P_P!6C'$*G&CBI4J5H59TU+6M&MAE5E-S3HRS
M7$8WE;;H3P.'RROB:TG%OZQ4K4,^CK0=6K)RQ%*2E.52"^]O /@#P=\+_!F@
M?#[P'H5KX=\'^&; :;H^CVSW-RL,#22W%S/=WNH3W>I:MJ>I7D]SJ6LZSJUY
M?:QKFK7E[JVL7U]J5[=74WDGP]_9-^ GPOO=;O?"?@O4'37/#&I>!SI'BSQW
M\1/B)X7\/>!-9O!?:OX!\ ^$/B%XL\4>%?AGX!U.>.T74/!'P[T?POX5N[72
M]$L)](DL="T:WL?.?#?[17QQ^(^H^(M9^%O[/7ACQ+\(+;QG\3/AMX9\?:O\
M<D\,>*[WQ1\-9/$GAJ_\5>)_AY<?"[4;+0?A+=_$SPKJ?@Z+Q)X:\<^/_B-_
M9LVE^+[;X/W^G75W9Z?T_P"P_P#$7XF_%S]DWX#_ !+^,+:-<?$'QK\/-!\0
M:[J.AWT5[:ZTVH6JS6NN7$5KX0\$:?I.IZO:-#?:GH&E:%_96AWTTVF:=J>K
MVMO%J-Q$%'%1Q-9Q4O\ 9\+[9UH\M2M0S>CCHJG.%1*JU4HT<33Q5"M&$G"M
M*G*$_P#:HTH<94$Z-^6,,1&FZ5.2E"&(P-7GA=4W*G">%KT;TIMKV5:G'D<:
MBB3^$?V+_P!G#P3H,WAS1/ ^L7-A/KOPKU\W7BGXF?%7QUXAAF^!_B"R\4_"
M+1K/Q;XW\;^(?%5AX*^'FOV$>H^%_A[8ZS;^ ]-DNM6BB\.?9]<UJ&_Z33/V
M7/@;H_Q9O?C;8>#KR/Q_>ZWJGBK=/XS\>7O@O3_&6N^';?PEKOCO0?A9?>)[
MGX6^&OB!KOAFW.A:WX]\/>#=,\8ZQIE[K%KJ6MW,>N:R+_\ /+XR?'_]IJ";
M]J^RNXK&UTSX3?MN?L5^!_A-8?#_ .(5]9^)-4\+^,?%'[.NKZSX#U:Y@^''
M@J2#2_'^D^+'NO$;ZOXA\7I!=^-O$_@%DU7PCX<TO6?$?T3H'[4VL>*/B'\.
MO /Q%^%3^$OB1HO[5/B;X"^(;3P'\;_%>N> M,UJT_9:\1_'G3O%%G?P^#?A
MO/\ %KPYJ7@[4=.T:3PC\0? GAVRT+QA=MXBLK>^U#PAX>U>]NA4>)I?6H2E
MSRI^WDI<RJ_5,;@.%:M2K*4K*4ZD<WR7!8JA&4ZE\+AI5.;"4\/6C=>E.C&K
M&I[U/ZO6K5>1^TIM87#YIBFJG+=2I0H8'&35>*J4WS5*5#VN(DJ%3U;3_P!B
M+]F;37\3"+P!JMYIWBCPO\0/!4GAK6OB7\5O$/@GPKX4^*GF+\0="^%W@37O
M'&I>#/@W8>)X)7LK^+X2Z%X**::1IEHUMIZK;#Z$\,>#- \(^#](\!Z7'JEY
MX:T31HO#]G!XI\1^(_'&J3Z3#;FU2WUCQ+XUU7Q!XE\0R-;GR9KS7]7U.]N8
M_EN+F45\@_LO_ME3_M'^//%OA-?"OPRT&U\.Z=K]]/I?A_X\:;XM^,W@._T#
MQC)X2F\'_M!_ ;6O W@#QM\'/&=R\<UU!;Z;+\1_"8FTW5K*3QDJMX<O/$OM
MWQX^,NK?"BV^'>B^$/!4'Q"^)?Q?\?V_PX^'/A;4_$Z^!_#$^M)X;\1^-M;U
M;QAXT&A>*[OPWX:\/>#/!_B76KRYTCPCXMUV^N;.STC1_#FH7FH*8<VH/#4/
M<YL-C:5*G2IJ#E&K16*Q6&HPG047*-*.(KXQTXU:<81AB:V)25#$2JU%)5?K
M.(C.3^L8">)K5ZDIK]Q-87#XS&5EB'+DO]6PV&GB*L*C_P!UITZDO:890I\K
M\,OV,?V=O@]XF\'^,? /A'Q-I_B/X?Z%J_A+P1J.M?%OXQ>-!X4\%:W9:?8W
M?@#0K/QMX^\16&G?#JUCTK3KC0_A[;6J>"_#6IVD6L^'="TK5@;T^L_%#X/?
M#;XT:5X=T3XG>%K7Q7I?A3QMX7^(OA^TNKO4[)=/\8^#;[^T?#^K"32KZPFN
M4M9S)%=Z7>27&D:Q87%WI6M6&H:7>75G-\?ZM^VMX_TGP_::,WP L+KX\P?M
M.Z1^RWXF^&%O\6U_X0W1_$WBCP)-\2/"?C[3/B?)\.H]3UKX;:EX-O/#?B'4
M;^X^&FB>*M)TR]\011^$=2UWPY!H6N\%XJ_:X_:&U+XE_ _X;:/\-_!/P_\
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M*)RC4_>*6)GA\=G6"K5KN5.M&E++57HSC.I=XBC5C*G5]I"$WP/_ &/?@O\
M!C0;6WL/"MUJVMW?PSTOX7ZW_P );X^^)'Q2T#3?"$5I&-9\"?#[1?BAXF\2
MZ3\._AMJ=ZH:Y\#> ]'\)>%;^TL-"M;W0#;Z#HMMIUGPO^QA^S?X1\#>-?AU
MIO@+4=1\,?$+0_#_ (8\3_\ "8?$/XG?$#Q)+X:\'PRQ>"/#NB>./'?C+Q)X
MW\):%X EN+C4?AWI'A+Q#H>G_#_7+FY\0>#;?0]<N)M0?Y*E_: _:!^%OQO_
M &_?%EI\/$^+'P,^#GC7X::_XBEU[XUZIX?\0^"?!VG_ +./PN\5^.-*^!_P
MT;P)XSTCQ)K%G9W6M^-=2\/ZSXK^$&B:[K>I65MINO:KJ^K:U<:+V/CG_@I/
M\+_!W[0VF_!82_#271E\6_!GP)K^I:Y\;- \,_%RZ\1?'?3M(U'P7J7PR^ U
MQX>OM;^(_@/1H?%O@B3Q[XRD\5>$ET"UUO5[C1M)\4MX1UN"/H=:685:,THR
MKYS2R^;PT(J,N7-.;&X3#U:/_+K"O%8VO#"SJJ&$JXFI5^KSE.H^;E5"6#HM
M7J.G@\/]<=9RE4E*&7X? PG7C53;Q&*PM!Y?"JJ;GBJ7^S4Y0C)4XKZ&L?V-
MOV?]/L;"VC\/>-KO4M.^)6A?%V'QGK'QK^.&O?$^X\?>&O#]WX3T+5=5^+6N
M?$;4/B=K>G:;X5U'4O#-OX6UGQ;?^$_^$>U/4]%DT-]-U*^MI_8?BC\+O!/Q
MF\$ZI\//B'IE]JWA76+K1+Z[MM+\1>)?".JP:CX:U[3/%'A_5-)\3^#M8T#Q
M1H.JZ-XAT;2]7TW5-#UG3M0M+VR@EAN4*D&K\8O'.L_#+X6^._B)H/A&;QYJ
M/@CPWJ/BC_A$;75%T:]URPT6+[?J]KIU\^GZH@U1-(@OKC2[-K-EU/4(;;3&
MGLA=F]M_G#QK^VAHWA]OBQ<>%?!%S\0=&^']K^S]X=\,:GHOB:PL5\?_ !D_
M:0U.VL_ GPUA.H:>NF>'--M=-\4_"_Q#KOC>^UB\AL-&\?QW":!.^DB/5,FX
MS;HV=1JKA9>RC"55^WKJGA,#:G%2;KUW@:&$P:4?:5IX;#X6@I3IT::N*J*5
M*K&\)*-14:G,H25/#XB%6O[.3::IX;$9HL5B)1?)AOK=7&5G3A*M5/1/&7[(
M7P \?^*CXR\5>$-<OM8O+?PE:^)K6T^)?Q3T3PQ\2(? DRS^$?\ A<7@?0O&
MNF>"OC5+H91(+6X^+?A_QI</9(FGW$LU@BVP^A]3TS3M:TW4-&UBPL]5TC5K
M&[TS5-,U&VAO-/U'3K^"2UOK"^L[A)+>ZL[RVEEM[FVGC>&>&1XI49&93^7?
MQ[_:X_:9\+>#?'G@W3?A=\./AO\ M _#_P")'[*%S>6]K\9+[QI\.O$WP=^.
M_P 9=,\ VNM^%/&.L?L]VNLW.H:MXAT;Q/\ #/QEH^N?"GP]>^#-,N[GQWX8
MUSQ#J-IH&DZMVGQ%_P""B_@/X;_M)0? '6H?AC:_V3XV^$/PS\;2:S\<M"T'
MXL)XU^-5GI5QX:G^%_P.NO#$NN_$_P  >'I/%'@T>._'$_B+P7_8MGK&K7FC
MZ'XD?PGKEK$XPCBHQPW+&LL9CJN AAI*-2.)Q%>A@*M:3A[U*5.K+,L-A,1.
MHURXUO!XI4Z\J4*BY)T8U*Z4H/!X7ZQ5E%-5<-A<)"$Z5TE[2%J-6E6P=&*]
MI6PU6E7PL)T*D)R]HTK]AK]F31O!&O\ P^M/ WB*?0_$DOP_DO-2U?XN?&77
M_'>FQ_";48=8^%ECX2^*.N_$'4OB9X%TGX:ZM"VI^ =&\%>+O#^D^#[^[U.[
M\/66G3ZMJDEY8M?V)/V;;+0?%7A^T\&>)H(O&GBKPGX]\0:['\7?C*/'<OQ"
M\%V$6E:'\1],^)/_  L#_A87A[XD2:9$NG>(?B%X>\3Z5XR\8V336OB_7-=@
MN)TD^4_VB_VHOB]XL\"ZKK/PI\"C1?@]HG[6?P>^!]U\8M'^,&HZ)\39=;\+
M?M0_#SP'\1)X_AII7@I=._X59J^L6GB/X<7.J2?%U/$>N6EY-+>?#MO"^IR7
M3_<O[3_CFR^&/[.?QR^(NHZ1J_B"P\#_  K\<^*;S0_#_C37_AQKFKVVA^'K
M_4)M.TCQ_P"%F7Q+X,U&[C@:"T\3:"PU;1IW2_L"+F".B,E6P\L:]8U,4H<U
M1/VE5T,'DV:8?$34E[1+EQ& J4'.//%X2A5AI"BX[4Z-:>+IX.+E]8^LSPO)
M%Q<J=>5:K@*U)3<X4E552-?#U8NK#E?/3K2A&3(/ W[,7P0^'%]HNK>$O!UU
M::UH6A?$7P];Z_JOC#QQXG\1ZG9?%K7O#GB?XBWGBKQ#XI\2ZSK?C;Q%XJUO
MPCX;O+_Q=XQO]=\51)I4%G9:S:V+SVTK/&WP/TP?LO>,/V<?A39Z=X9TB3X&
M^(O@Y\/+'5]3UJ[TK0;*?P->>#_"]MJ>KW?]O^(+C3]-B>RCO-0N/[8U:2WA
MDN)!?W9(E^;]:_;7\=:-\0/&6BVOP(TJ]^%GPU_:&^"7[.OB[X@77Q>NK7Q7
M-K/QRTSX0R>&]>\*> F^&-]I_B"V\/:M\6]+M/&-GK7Q%\,7-KI=M!K&B7/B
M*]U"YT32OO3Q+J>I:-X=U[6-&\/7_BW5]*T;4]1TOPKI=[H^FZEXEU&RLIKF
MRT'3]0\1:CI&@6%[J]S''86MYK>JZ;I-M-<)-J-_:6B33QXXNG#$95B/:^U>
M7XK#SPU14U4]I*B\#',XQCAZ:E7YOJF?_7,/&-*3<\RK.BI5JM>+C!5ZM/%8
M*M1=-8B,\/C*$IRC[!5)5_91E*M5]G12]M@?9U_:2IRA"A3=>-.'LV?)OP[_
M &%/V??!_P .]4\#ZIX/U;75\7_!^W^"_C"+7?BK\7_&6GV'@*YTY;?Q!X#^
M&#^+_&NHS_"/P%J5T?,_X1GX50^ ](,6G>'Q_9D'_".:#%I?IGQ5_9>^"OQG
MU+3M9\<^'O$:ZWIWAF^\$-KG@?XF?%'X4:WK/@?4IXKF^\#^+-8^%7C/P7J7
MC7P3<74(NV\(>+[K7/#B74UY<QZ8D]]>R3_'?@7_ (*11^)M*^,5G=^"/A'X
MG^(/PV/P*TCP[H7[/O[2^C_'?P-XJ\>?M#^,-?\ AUX'^'?B#XDP_#CP,G@3
MQ-H?C70O(^(2/X7\2VGAKPQ>P>)M.G\1$#29/=O$'[1/QS\':7X:\,^*_P!G
MCPK9?'+XA_%.W^&GPN\+:5\=1K'P?\90+X*U'XBZ]XUN?BN?A78>/O"_ASPE
MX5\.^*K?78-:^ 4>O3^*])LM&\-Z3XAT?7++Q.O9BJDL36G7JJ-1NNI1G2BJ
MF&A6Q=2D_9X:I3YZ"DHYQ"M.E1FY4,'C9XJLH8256L84:<L/&-&,JL)X>BW-
M5YRIXFG2IX/#5)UL2JKA5A&>%RW"\U>LHQJO T:*E*IA84Z>#XY_8?\  GQ)
M^/D?C[Q-87&C_#?1/V=?#'P1\(Z+\+_B=\5_@OXHTB#3/%OBG4]:\.27/P>U
M[P$\WPSU+P]J7AVQ?PI<>(KW0[Z]T.Q-]X87^Q=(O4];\??LC?L__$>/PY%K
M7@K4=!7PIX*?X9Z0WPO\?_$CX+2O\,V%L!\-=9G^#WB[P+/XF^'4/V2)K7P)
MXEDU?PG:.UP]KI$+W=VTW ZQ^T9\;[/4OAI\+[']G7P[%^T/X^L_B?XAO?!G
MB?XY6VD_"70? ?PHU?0=#UGQW;_%SPW\-O&WBG6=*\4:CXQ\%1>!M%?X,:1X
MONX]>GF\:>'? B:-?&N'\.?ML^,_'GB/X&^#/ _P,TS_ (2SXBZ5\<+[XJ67
MCKXL-X7TSX*7O[.'Q%\,_#'XMZ3-JWAWX<^/'\;36OB;7;F#P==VFG^'[+Q-
M#!I-SJ$WAFSUB>ZT?"/)[*A1<HN'MLPQ-.I5E&U2I.OG69YCBYUYM0G#"2K9
MO1Q6,E/V>!2J8'$U:55NE+67M%*6(M.'+3PV&BH)QC1A2PN P6&PE&$?X<\3
M0RO!UZ.%@E4QJPZQM"E5IP52/O/CO]DGX ?$>^T"]\2>"+VWC\.^%='\!PZ+
MX/\ '/Q#^'/A/7? /AZ\:^T#X?\ CSP7\//%GA?PC\2O .B3S7JZ3X(^(>B>
M*/"VGVNJZY86FDQ6.O:S;WV'XS_8G_9M^('BGQ-XP\4^"?$%WJOC#Q'X<\::
M_8Z=\5OB_P"'?"=SX\\(0^&[;PU\1+3P'X<\>Z3X'T?XDZ-9^$?#MA9_$71O
M#NG^-DT_3ET]M>:RN;R"X^4]2_:=^,?Q8\8_L,^,]$\ -X ^ GQK^/\ <7O@
M[Q7H/Q?U'4?%OCCP,/@9\<-6T32/C#\-K;P5X<T/PS8^+Q8Z1XUT#1-.^(7Q
M1M(;C1+,^)H_#NOV-G;HR]_X*6ZCX<U;XX>'?%GPK^%/_"6_"+X _&CX\/X
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M/WAF\\.?&7]HO0OA%\*-$U+]FCQ;J7@/XD0Z=\:=9\":I-XEN]:\6VVF:?\
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M&W_A)#X==_"+:L?B#]L;P2S>"3*?"9.C5\L:]_P4.UOPMX#U[XE>+OA;\+_
M/@W4/VB?%7[-/PG\1?$G]HV+P/H'B;QCX'\9^/?#?BCQ;\3O$6J_"5O#_P )
M/AQ::7\.O$6K:?J]GJ?Q%\3ZOJ]LOA6S\'&]NM+O-2['P1^W+JOQK\+?!@?L
M^?#?P+\1OB5\5-*^*^N:OH^L_&N3P_\ ";PAHOP.\6VGPZ^(6K6?Q@\*?##X
MDWWC/3M0\?ZMH6F_#*[T;X;6\/CCPUJ9\77[>$[6TDL'(U%7C*O'VE9U/8*=
MJ=2>)GR8>AFU'GH<KQ,E0P]##8]N5.V%C1HUZGLG3@XNI3JT92HU?W7+6Q,7
MSSC"C[=/$Y1B4JKDJ#K572QF6V4W/$JGB<'#VBA5IK[8^'OP]\(?"OP?H_@/
MP)I+:-X8T)+H65I-J.K:U?37.HWUUJNJZKK&O:_?:IX@\0Z]K>KWU]K&O^(O
M$&J:GKNO:S?7VKZQJ-]J-Y<W,L6H_#7P5JWQ#\+?%?4-%^T>/O!7AKQ7X/\
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M&C[*K[-S=*7LXSC1FX?T=4445SF@4444 %%%% !1110 4444 ?GI_P %0_\
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MBWBWPK'H%OK.L7&B:7XK/A'6X4Z*]%UL2\)5?UG$XO,,7AE&3E4G5Q-3%XG
M8M0E4]^&$S#$5J]'$R_=X+,*N,J4\1[>IBIQJ<U&3I8>%2A&='#87*\-CJ4H
M+DY,(\IRO,>9*DVY8O+L/FV$HPY74QF'<J<L(XTYTF_MWX2?#30?@S\+?AU\
M(_"USJU[X:^&/@GPQX"\/WFO7-M>ZY=:-X3T:ST/3;C5[RSL].M+K4I;.RA>
M]N+:PLH)KAI)(K6!&$:^26W[+VCM\7M%^*_B+XK?&'QS9^#_ !7XP\=?#OX8
M>-=9\&:WX#^''C#QSH>K^&M?UGPMJH\!VWQ:GMAH?B3Q3I>B>%O%'Q0\2>"?
M"^G>(KG3O#7AG2=.TGPO::!Y?_P4=\0^)O#7[,5W>^$[[X@V>JWWQB_9T\/3
M0?"SQIJ'P\\?:YH_B;X\_#O0-?\ "WAOQGIOBOP+<Z#?^*M%U&^\/+>MXQ\,
M6J+J3"]US3+0S7D/S/X3^++?LV?&CQ7KOB_P?^V-\&?A/H_[*/Q?^+FN_#O]
MHWXW6G[35_\ $O5?A)XE\#7-UKGPSURX_:5_:1;P+K'@OP[XEOM.U;P__P )
MKX)M/'9\9Z+>7^C7L?@N/6+#.-9XO$8BO7<I5)U\WPTZDX3K*O4PF2T>(\;*
MI3<7&I*IA[*@J,<3BHXR$'[*A2FL2NCZO/ZO3H48*I[9X-1PM.*3DL5C_P"Q
MJ5.FJ?--+_::L:L91I8:>$E5ISJ3C[2$?J>P_84\#V?P]^(WPCN/C!\?M3^%
M/C;X;>.?A)X8^'%[XQ\*P>$?@]X"\?WES=ZII'P\TS2? FF'6;K1H9;72/!F
MN_&*;XKZ_P""_#VG0^'O#6J:;HVH:_9:SW]_^RWH4OQ:NOBIH7Q4^-'@>W\0
M:CX"UWX@_#7P/XIT#0/ /Q-\2_#2Q32_"OB'Q?<Q^$IOB/:W7]D67A_0_$VD
M^#/B%X1\+>/- \+Z%X?\=^'_ !)HB:EI^I<;X1_:4^,0\7O\/OBU^SMIW@_Q
MSXG^#'B?XS_"'P_\/?C1I/Q('CV+P5<Z%9>*_AKKFL^*O!?PAT+P3\2])N_&
M7@F-8EU'Q-\/+V'7+V\MOB*UIH5W-+\W:-_P4QU34_#OQ8%E\,/@Y\0/B!\-
M-;_9KT&WT#X"_M4:5\9/ FK:Q^TG\2M2^%NC^&-9^)=I\)_#)\+>-O!?B'2K
MF;Q7X=_X1#6[1=.N=+NM/URZ%^1;N',JF&C#FE5A+#_5DKU)5:E7-J^ I\OQ
M?6JL<YC56(O[6I0QOL<7B_9U)8>LXE*=:E4KR:G0FJ\9UDX^QA#&X;+?:2C.
M-H8>CBL-3R^E2J4W3I5HT:F'H2DZ.*IP^O?#W[*^E>$_'D_B;PW\8OCCH?@&
M?Q_XB^*)^ >C^)?"6D_"1?'/BW^T;SQ-J<EWIG@6T^+M[HFM^)]8U?QOJ/@#
M4OBO>_#>Y\5ZG<WDG@\Z>MMIEOZ-\!O@YI?P ^%7A/X0:!XK\7^+_#?@>Q_L
M7PQ?^-V\*RZ[IWAVV8KH_AYKGPAX5\'Z?>6.@V0BT[3[V^TNYUZYM88Y=;UC
M5]0::^E^"/VG?VH_C_-\#/VN]*^'_P )_#5EKGP'^#'B72OC+XV\(_M :_IV
MN?#OXE>(_A _CFW;X%E?@]HVI?$5?AYX?\1>&/%&K^)_$^I? K4()IY+;POI
MVL:SI<ULOWGXG^*&B?"7X!ZQ\8O&SZK>:!\/OA5/X_\ $[V$0U'6[W3_  ]X
M6.MZF+.*YN+=+S5+N.VE6W%U>6\4UW*AN;J"-I)DBFXTL/B)0O&AAZ& BU!2
MJ>WH2IXMX.M3A!2GB84L-@^3 8N,:OM<#6ITL#6GA).#N=.K5K8."C*KB,TK
MXR48J/+-U\,\ YQJ2T7M<36SN56O1DU/ZZZ^)QD/K=7VC\T\1_LB>"?$WB[X
MD^*;_P ;_$F&T^*'Q1^!7QDUWPC9W7@>/PU8?$#X :AX O/"VKZ+//X#N/%D
M$'B"U^&?A/1_%VEZAXIU/3;G3K6ZE\/6OAO5[V?5&U5_94^'B_$P?%4:SXT_
MX2$?'BZ_:&^Q_P!I:*-&_P"$TO/V?E_9OETSR%\/+J \,+X'4:K'9KJ0U=?%
M>;\ZXVD8T,><Z'^TA\<I=?O_ (<?$7X$^"OAI\2O%GP/\6?&+X*PZ;\<KOQW
MX2\2/X.FT/3_ !/X+^('B./X-Z#>> O&'AB]\9^"+C45\->%OBMX7O=.U;4[
MO0O$.MG0Y;:\=_P3I'C6^_8]^"GC+XC7^MZOXW^)G@KPY\2?$.LZ[\8?B'\9
MKK6[SQ?X?TG4UUI-3^(5AI<O@E-5@>*^F^&/A#3XO ?@>\GNM+\-7.J6_FZK
M>Z4(-4Z].FE&AAL-13=U)5(XS&?4HT(MW4HT:G",*%6G.:JT(Y9@:%"A/#0K
M2PD3J.=*$_:.I#%JIA4HZTY899=[\HN-XNE6PN:J$:E-.C6EBL4ZE>.*7)6]
M"^&'[,&D?#GXB1_$W5_BM\8?B[XCT;P;K?PZ\!/\6]8\%Z[+\.O ?B/7]'\1
MZYX;T77_  ]X#\*^,_%W]IWWAGPK'=^(_BYXH^)/C.:#PW8,WB4W=[KUWK'=
M?&7X+Z%\9](\-6U_XA\7>!_$_@7Q98>.OAY\1? %]I-CXS\"^+;&QU+1VU;1
MAXCT/Q1X4U.#4_#VMZ[X:US0?%WA;Q-X9UO0=;U*QU/1;GS(9(/SOT71]9\*
M_!W5_P!J?2OB?\<IOB7X>_:E\>V&IZ?X@^/'QB\8?#7Q)X#C_:_\0_"K4?A_
M/\'_ !CXWU_X3Z#I,GP\G&CZ!J7A?P3H^L^$=3T_1]<T2[CGL[JVU#Z(^'7[
M27B+7O%_PV^'?@?X61W=GXR\0?M.ZSXNU_QM\:O$E]+X.\+?!#X^K\,O$6J:
M1)JG@SQ=K?BK5?$6I>(;75_"7@,W?ACPSX7TI3X3M/$>E:+HVDM)BIPG#"8>
MI4=*I#VDZ4)5)05%T85<\K8V&,YHQA357Z[C*N-Q%3#XGZYA\9B:\(^TH8G%
M55YH5,=B-)Q=:>'Q%248M5XJG/+'AZF&:DIJI0PT,+'!TX5L/5P=2E03<G/"
MQXGXM?L9:W/X9^$GAOX?^.?BQJGBBZ_:XT3X]?&#X[R>)/AYI7Q;_M"T\ >*
M_#<?C]E7PKH?PWG/A^*U\!^$=.\"Z'\,[CP?=>%]-MM%U3P%K.AS>(DO?5K;
M]BSP=!;^']2E^*'Q<OOB9I/QUT[]H76_C1?3?"Z7XB>.O'.F>#-6^&EI8^*[
M-/A;%\-H?"4'PSU>7P%9^'_"7P]\*Q:3HMM:ZAHL^F^*#>>(;OYP^%G_  5=
M^#GQ /Q#U74(O L7AGPU\&/B#\??"UK\./C)X;^*_P 3KCP%\-M:MM*UG1_B
MU\-=,T;0?^%,?$W6;76O#&L>$_ MUXH\8+J5KJ6K6.K:[X?UGPSJ>FGH?C[^
MT)^VUX/^"\GB6'X!_#7X7^+9?B'^S1:Z9KEI^T%;^//"EQX?^)GQE\+^#?$_
M@K4[C4?@!;Z_IGCE!J.G>'/$:6GP\U?PAI7A;QA?>,O!?Q,U[Q=X5@\(WVF'
M3I^PA3C.'U[,<NKX><Z3HJBZU;*LCP>&HQY*<:&"PF)X6P7M<OIT_:4JF"I0
MK4)PAEV'@ZT*LJTJ-5J-2G0Q.65H2J)NM[18[&XV563E*IB:M6EQ16A7JJ<Z
M:CBE!*&)^LRG[I)^QCX,T^S\,3^ _B;\7OA?XY\'>,OC;XM\/_%#P9J'P^N_
M%]O9_M!^/=4^(_Q,\#ZAI7CGX<>,_AOX@\$:CXFOM.N=,T[Q'X!U;5-%?PQX
M:U#3]:AUNQN=6O>D\!_LE_#3X=:E\/\ 5]!U/QG/J/P_^'7Q<^'D=WJVL:=J
M%QXL?XY^-/"GQ#^)GCGQC<-HL=QJ/CKQ#XS\*)KSWVFS:1H5O<ZYKD$/AU;-
M]*MM)\J^)W[8?CWP7?\ QMUKPK\"M-\;?"G]EZ;0K7]H/Q?<?%<^&O%^GW4O
MA'P_\1_&Z_"+X?GX=:Y:?$B#X>?#GQ1HOB75)_%WC7X1_P!NW,]QH?AF/5+V
MTF<9?BS]M?QGH-Q^U+KVE_!+1]8^%'[,%UH^AZKX^F^)NO0ZGXFU_P 0>!OA
M[X]MM23P?H'P>\5R:)\-O"FA?$"#6?B=XV;7M5U;PCX8TJ\U_1O!7C)A/IEG
MC:DZ4HM*5)8+$XGWE)QIY=B,-'!5JM)R3]E@LPH9PHT72<:&9RQ<Z^&^LU54
MJQK_ &B56$O>57$XM.-[0=?'U<2L5-R3Y54Q>'Q$XRQ'.I5LNC4C3Q'U:E54
M)?2/P@^$6J_!BQ\#?#SPYXMU/4/@W\-/@KX&^&'A70-?_L*]\07.L^$'N=-'
MBK5M1TSPGH<ZWUQX:M='LK[R-4FT74[LR36'A?PO)I\USXBL?M(Z1>^)?@9\
M3O!]A\,M<^+TWCCP?KG@9_ F@:OX-T&[U2W\7Z?<>'[BYN]8\=>)?"NAZ?I&
MF1:@VHZQ=QZC=ZU;Z=;7$N@:'KVL)9Z1=Y'[,_QQN?C_ /#^_P#&EQ:_"L+8
M^*]7\-6^K_!+XX^'?VA?A?XDM],M]/N%UCPO\1="T+PE>3(&OWTS5-&\3^#/
M"?B#2=8TZ_B;3+O2)-(UO5OH:ML;2GBJ4Z6*E4E];ISK59\_[^K3S*<\?4]K
M65ZL9U(XN4.64HU\'2<,)3^K?5J5.CEAJ[H8A8G#VC4H5H1II)JE2K9?"G@H
MRI0T@U&IA%7<H\U'$UW4Q+]M'$2E/XR\*_L:^&-'_9U^!GP8N/&/C70?&?P0
M;0?%OA[XT>#-9M3\0;'XP+8ZJGCKXCV]]XTT;Q7H?B"[^(5]XJ\<#Q9I?CKP
MQXFT'Q#IGB_5[/5]$G\V%K=;C]BKPC+X7TVRMOBS\9M/^)^G?&:Y^/S_ +0E
MK>_#*7XN:E\3[SPC>_#J[UC4;+4?A=??!]]*F^&M[_PKQ?"=K\)[3PI:>%[.
MPCL=%M=5MEU4_9E%75J.KB,1B6E3JXG$?6:CHWI)5?K&%Q7[M0:]E!U\#@:D
MJ=-QA4E@<$ZJG]4P_L\J,51H4</%N5*AAI82"J6J.6'G0Q.'E2JN2?M82I8W
M'1Y)\T8O'8V4(QEB\0ZGRQ\(_P!D;X>_!SQ#X+\4:#XF^(6O:SX(TGX^:397
M7BW6-"U)M7_X:-^+&@_&3Q]J.NO8>&=)ENM2MO%GA^UA\/26<NGVUEH]S>VN
MHVNK7;V]_;>Y?$3P6WQ!\':QX2C\7>-? 5QJ8LI;'QC\.];3P_XQ\.ZCIFHV
MFJZ;J>CWUS9:II5PT%]8VYO=%\0Z-KWA7Q%IQN] \5>']=\.ZEJ>DWG:T5$O
M>A"E\,*7/[*-/]U[+VF(JXN3HNGR.D_K->K7A*FXNG4ES4W&T;:*4E5G6;<J
MM2JZ]2<_WCJ59.\YU/:<WM)3:O/GNIZ\U[L^3/!W['W@7PKJ_A'Q5?\ C7XC
M>-/'7AOXV^(/V@-9\<^)YO 5GK?Q!^(?B#X2:Q\#WN/&6F^"? '@_P (0Z5I
M?P[U.STK2].\%>&/!VVY\/Z-J.H3ZA=OK<FL\G=?L(?#]-4\(:YX9^)_QF\#
M:YX1U/\ :!G&L>&=3^',VH:WX?\ VF?B8GQ4^*7@Z^E\4?#/Q(NA:7=:]%%I
MVA>)? 2>#OB7H>@1_8[3QX;N2;4)?M^BIG&%14XSA!PI4EAZ=/DBJ4,.L)#
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M?0/_  [*_P"";G_2/G]B#_Q%#X#?_,#1_P .RO\ @FY_TCY_8@_\10^ W_S
MT_:>7X_\ GV:_F?_ (#_ /;'S]17T#_P[*_X)N?](^?V(/\ Q%#X#?\ S T?
M\.RO^";G_2/G]B#_ ,10^ W_ ,P-'M/+\?\ @![-?S/_ ,!_^V/GZBOH'_AV
M5_P3<_Z1\_L0?^(H? ;_ .8&C_AV5_P3<_Z1\_L0?^(H? ;_ .8&CVGE^/\
MP ]FOYG_ . __;'S]17T#_P[*_X)N?\ 2/G]B#_Q%#X#?_,#1_P[*_X)N?\
M2/G]B#_Q%#X#?_,#1[3R_'_@![-?S/\ \!_^V/GZBOH'_AV5_P $W/\ I'S^
MQ!_XBA\!O_F!H_X=E?\ !-S_ *1\_L0?^(H? ;_Y@:/:>7X_\ /9K^9_^ __
M &Q\:?$/X6>'_B7?_#34==O-9M)_A7\1],^*'AY=)N+*"*\U_2M \2>';>SU
ME;S3K][C1WLO%&H2S6]B^G7K74-FZ:A'#'-!<>5M^R=\-Y+/3+"75O&DEMI?
M[0OC#]I2)?[5TF&2?QOXVB\7PZOHTT]MH,$R>$HH_&NJC3[6TDM=?MV@T]W\
M1SO#.US^C_\ P[*_X)N?](^?V(/_ !%#X#?_ # T?\.RO^";G_2/G]B#_P 1
M0^ W_P P-9<E'WKTH/GJ^VFFDU.JZN45W.2::;=7(<GFTU9O 4+JRDI6^9V3
MJS]VE[&-E9QI^RS.CR1:DFDJ6<YI!-.Z6-K6=W%Q_(+X?_\ !._X5^!X_!VF
MZE\2?C-\1?"G@;X0>/\ ]GS0_ OC?4_AM!X//P.^(VEZ'IVN_#?4=-\!_"_P
M/<ZC:I-X<TG5X_&5U?/\3M3U.V0^)_'/B#3XX=/BZ+1/V&O!4>O6.L?$3XN_
M'7XX6&D_"'XA_ ;2/"OQ7\0^!;SPW8?"KXF6_ABS\1^')(O!?PY\$ZQK>HM8
M^$].LAXV\2ZSK?C[5+>2;_A)_%.OR0:7)IWZM_\ #LK_ ()N?](^?V(/_$4/
M@-_\P-'_  [*_P"";G_2/G]B#_Q%#X#?_,#6DY*IS>T3GSTL11GSR<O:0Q:Q
MJQ,JE[^TK5_[3S-U,1/FKREF>8S=3GQ^+=8CS0<)0J2A*E456E*$5!T9Q6'4
M51<9)T:<%@\"H4J?+2@L!EZC!?4<)['X'^"'P-G^"]EJ%M>_&;XV_&6YN],\
M-:!8ZA\8?$_AW4O^$?\ #GA&RN++1-(T30O WA#P#X0AN2+RZN-=\87OAR_^
M(7C&X>T_X3+Q?X@@T;08-*XGXH?LIV?Q$^*.K?&#0/CE\>?@UXS\0?#/0OA#
MK\OPHUOX=VVF:MX&T'7/&7B&&TETWQ]\,_'\%CKD^I>-;]X_&&CG3?%^@Q65
MG%X0UWPV+[Q&=>_2[_AV5_P3<_Z1\_L0?^(H? ;_ .8&C_AV5_P3<_Z1\_L0
M?^(H? ;_ .8&JJU/;S52O%5I^_S.HE/VGM:-3#UU64HN-98FA6K4L4JJFL5"
MO6CB%55:IS3""I1J0I/V<*BI1E"G3C"*CAZM"OAHTXQ:5)86KA<-/"JDH+#?
M5Z"H>SC1IJ/X[>,/V3?#/B+XV_L@Z%X>^%NO>%?A%^R#HNH:MHWBH^*=$_X1
M/Q)91:7I&G^!_A*FD0^+]3^(WB2[\,^-?"_@GXL:GJ?C;P]8>'$U;P+X?NK7
M7?$FOWMY'IOV?\3_ (?:'\6OAM\0/A9XGEU&#PW\2?!7BCP'X@FTB>&TU6'1
M?%NB7N@ZG+IEU<VU[;V^H1V5_,]G//9W<,5P(WEMIT5HF^NO^'97_!-S_I'S
M^Q!_XBA\!O\ Y@:/^'97_!-S_I'S^Q!_XBA\!O\ Y@:FI/VU*K1J\U2%>KBZ
M]=2G).M7QK7UFO/EM^^JPC2IU*T5&I4C1IRJRG54JDJIWI5J.(I5)4ZN&IX:
MCAY1BKT*6$G.K0A3;DY<L*]6O7BI.2C4KU%#EI\E.'YAZE^QOX'U_P ,?%GP
M[XI\??$_Q-=?&G]GSPA^S?XX\4:A=> ;#7[CP?X+C^(T6F^(=.A\.?#W0_#.
MG>,KM/B=KHU&[C\.MX=D^Q:,;3PS9&"^_M'<O_V6]"E^+5U\5-"^*GQH\#V_
MB#4? 6N_$'X:^!_%.@:!X!^)OB7X:6*:7X5\0^+[F/PE-\1[6Z_LBR\/Z'XF
MTGP9\0O"/A;QYH'A?0O#_COP_P")-$34M/U+](/^'97_  3<_P"D?/[$'_B*
M'P&_^8&C_AV5_P $W/\ I'S^Q!_XBA\!O_F!K25><JRQ$M:JJ^VYM-:GM95U
M)QMR2Y:\O;QBXN,*T:=6*52E2E#-4HJFJ2D_9JA+#1CRKW*$\+@<%*G!\W-!
M2PF6X'#-P<9.CAXPORRFI?"WQ]^".A_M"?#B?X<:_P")_%_@RW;Q/X%\9:=X
MH\"R>&(_$^B^(OAUXST/QYX9OM/'C/POXS\,3K#K_A[3FN[36/#.JV=W:">V
MD@Q+O7S:R_9'\,:Q/XHN_C;\2_BA^TO=>)OASXI^$L<OQ?B^%.CQ>&OA]X]-
MDWC[0?#6G_ [X6?!K2[2;QJ=)T$:WX@O['4_$\<.@:5:Z/K6E6D=S!=?IE_P
M[*_X)N?](^?V(/\ Q%#X#?\ S T?\.RO^";G_2/G]B#_ ,10^ W_ ,P-9)Q2
MJ1Y$XU95IS3]Y<^)PL,#B*D%)-4ZF(P5..#KU*?).MA;X>HY492@]$YQ=.4:
MLX2HRIRIS@N2<72K?6*7OPE&;5+$+V].,I.-.M^\@E/WC\HY/V&/!.O^'_'>
M@_%+XN_'3XTGQG\%/$?[/>F:Y\1=?\!0Z_\ #[X6>+EM3XFTCP??^ /AOX$C
MOM9U^?2?#=UK?C'X@VWCOQAK,OA?1(]6UR]M!J5MJ6=8_L$>"O[=G\3>)_C-
M\=_'6O7R_ A-6O/$6H?";3;/4D_9M^*T/Q9^$L,?AWP1\(O!_A;P_;:%J(O?
M#5W9>$-#\.66K^&M7U6?4;>?QA<IXMA_6W_AV5_P3<_Z1\_L0?\ B*'P&_\
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M-D^N/^'97_!-S_I'S^Q!_P"(H? ;_P"8&C_AV5_P3<_Z1\_L0?\ B*'P&_\
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M3<_Z1\_L0?\ B*'P&_\ F!H_X=E?\$W/^D?/[$'_ (BA\!O_ )@:7M/+\?\
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MH_X=E?\ !-S_ *1\_L0?^(H? ;_Y@:/:>7X_\ /9K^9_^ __ &Q\_45] _\
M#LK_ ()N?](^?V(/_$4/@-_\P-'_  [*_P"";G_2/G]B#_Q%#X#?_,#1[3R_
M'_@![-?S/_P'_P"V/GZBOH'_ (=E?\$W/^D?/[$'_B*'P&_^8&C_ (=E?\$W
M/^D?/[$'_B*'P&_^8&CVGE^/_ #V:_F?_@/_ -L?/U%?0/\ P[*_X)N?](^?
MV(/_ !%#X#?_ # T?\.RO^";G_2/G]B#_P 10^ W_P P-'M/+\?^ 'LU_,__
M  '_ .V/GZBOH'_AV5_P3<_Z1\_L0?\ B*'P&_\ F!H_X=E?\$W/^D?/[$'_
M (BA\!O_ )@:/:>7X_\  #V:_F?_ (#_ /;'S]17T#_P[*_X)N?](^?V(/\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
IHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH _]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>22
<FILENAME>danible-logo.jpg
<TEXT>
begin 644 danible-logo.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M2QUT0ZIJ>B3ZOX7FCNIY=3T2#6](O])EOY(;;%Y!)&$(&\3_  ;_ &I/AO\
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MMH[A].U."WFN(8=0L6D-M>117-Q$D\4BI-( &/R]XI_;$^'_ (5^)%]X#N=
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M\8OV:];U3P!^V+\:?$.I:QJDWA'XU_M'_&+X,2VEU/+<:9I?C/P'X>\'>._
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M]>J^\6BDW#U'YT;AZC\Z.9=_Z_K^MPO_ %_7JOO%HI-P]1^=&X>H_.CF7?\
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M1]%%%, HHHH *BDZI]3_ "J6H9C@*3V)_E2?V?\ '!_=.+?W(4GH_0_SSO\
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MU?5]6U[4_P#@C!XXOM;UWP_)X3UG5+CXT?#Q[S5O#,KB230M1N#X3\V]TPR
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MO_P21^+&?;X]> \?A_Q2M'_#?_\ P4"_Z1(_%G_P_7@/_P"96OV,\AO[@_\
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MIK/^TN(^5/1_]#F_=?#O]XO]6,_C\7B)Q#;3_F79#Y=/[%OY?/SU^?S_ ,%
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M\['B/_#P+_@H!_TB1^+7_A^O ?I_V*OX?7VYH_X>!_M_?](D_BQ_X?KP'_\
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MAR3PU_:%M<7VH:]%=_;?MNBSSZM=-/8R'4"/3? 'B?X!?$>SM_!W@K3],O\
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# __9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>23
<FILENAME>dm-signature.jpg
<TEXT>
begin 644 dm-signature.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0"J17AI9@  34T *@    @ "0$:  4
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MUM?8V=KAXN/DY>;GZ.GJ\?+S]/7V]_CY^O_$ !\!  ,! 0$! 0$! 0$
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MWQ#\5^!5T/Q]I/\ PFGB_P .Q)XL\%^,1'=3^!;KX)67BOXR>$OW6H ****
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M@'X@?\&HOQR_:'^,?B_]K/3/$/Q,^*OQ"^#FD^'M+\:>*[GXA>.D^*>GZO\
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M ();>,?B3^W=_P %^O%WQB^(6J> _$FB:=\6?CK\<?#FF>./#QT^;4? B*/
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MY\1_VK_8/Q/\<^-?A-H1_L/1-<8?$[0_#O\ PCNM?%,LWB?PEX/\&OXO\?\
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MF+XNT4^&/&7_  ANA^()3('\.^&];UJ[?Q6(Y?"O@P)'XNOIEBMXH6 /P_\
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MV\;?#KQBOP^\ ^%H;CXH>)9/BCX3;Q1XV\5N?AM9>"?&2>2__"9_WR_LM?\
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MEO)K.JM#=^+_ !/XFN(%E8Q2QYS7U3110 4444 %%%% !1110 4444 %%%%
M!1110 4451D%QYD7DRPK@_Z5F DL,'D$-\N3T!/?K@\ %ZBBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
AHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /_9

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