<SEC-DOCUMENT>0001193125-12-326136.txt : 20120731
<SEC-HEADER>0001193125-12-326136.hdr.sgml : 20120731
<ACCEPTANCE-DATETIME>20120731171313
ACCESSION NUMBER:		0001193125-12-326136
CONFORMED SUBMISSION TYPE:	S-1
PUBLIC DOCUMENT COUNT:		8
FILED AS OF DATE:		20120731
DATE AS OF CHANGE:		20120731

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST NATIONAL CORP /VA/
		CENTRAL INDEX KEY:			0000719402
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541232965
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-1
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-182968
		FILM NUMBER:		12997624

	BUSINESS ADDRESS:	
		STREET 1:		112 WEST KING STREET
		CITY:			STRASBURG
		STATE:			VA
		ZIP:			22657
		BUSINESS PHONE:		5404659121

	MAIL ADDRESS:	
		STREET 1:		112 WEST KING STREET
		CITY:			STRASBURG
		STATE:			VA
		ZIP:			22657
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-1
<SEQUENCE>1
<FILENAME>d388224ds1.htm
<DESCRIPTION>FORM S-1
<TEXT>
<HTML><HEAD>
<TITLE>FORM S-1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>As filed with the Securities and Exchange Commission on July&nbsp;31, 2012.
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Registration No.&nbsp;333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </B></FONT></P>
<P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:0px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:2px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>UNITED STATES </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>SECURITIES AND EXCHANGE COMMISSION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>WASHINGTON, D.C. 20549 </B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center>
<P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:2px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>FORM S-1
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>REGISTRATION STATEMENT </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>UNDER </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>THE SECURITIES ACT OF 1933 </I></B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:2px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="6"><B>FIRST NATIONAL CORPORATION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) </B></FONT></P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center>
<P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


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


<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Virginia</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6022</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>54-1232965</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(State or other jurisdiction</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>of incorporation)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Primary Standard Industrial</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Classification Code Number)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(I.R.S. Employer</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Identification Number)</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:3px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>112 West King Street </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Strasburg, Virginia 22657 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(540) 465-9121 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Address, including zip code, and telephone number, including area code, of registrant&#146;s principal executive offices)
</B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:2px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Scott C. Harvard </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>President and Chief Executive Officer </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>First National Corporation
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>112 West King Street </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Strasburg, Virginia 22657 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(540) 465-9121 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Name, address, including zip code, and telephone number, including area code, of agent for service) </B></FONT></P>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:2px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Copies of Communications to: </I></B></FONT></P> <P STYLE="margin-top:3px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Wayne A. Whitham, Jr., Esq. </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Charles W. Kemp, Esq. </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Williams Mullen </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Williams Mullen Center </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>200 South 10th Street </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Richmond, Virginia 23219 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>(804) 420-6000 </B></FONT></P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center>
<P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:3px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="1">Approximate date
of commencement of proposed sale to the public: From time to time after the effectiveness of this Registration Statement. </FONT></P> <P STYLE="margin-top:3px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="1">If
any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933 check the following box.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT>
</FONT></P> <P STYLE="margin-top:3px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="1">If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act,
please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P>
<P STYLE="margin-top:3px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="1">If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the
Securities Act registration statement number of the earlier effective registration statement for the same offering.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:3px;margin-bottom:0px; text-indent:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="1">If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier
effective registration statement for the same offering.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:3px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="1">Indicate
by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and
&#147;smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. </FONT></P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="15%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD></TR>


<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">Large&nbsp;accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">Accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">Non-accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;(Do not check if a smaller reporting company)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">Smaller&nbsp;reporting&nbsp;company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT></FONT></TD></TR>
</TABLE> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:3px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Calculation of Registration Fee </B></FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="25%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="11" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Title of Each Class of</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Securities to be Registered</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>to be</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Registered (1)</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Proposed</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Maximum</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Offering&nbsp;Price</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Per Unit</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Proposed</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Maximum</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Aggregate</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Offering&nbsp;Price</B></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount of</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Registration&nbsp;Fee</B></FONT></P></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3" NOWRAP STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Fixed Rate Cumulative Perpetual Preferred Stock, Series A</FONT></P></TD>

<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">13,900 shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">$1,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">$13,900,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">$1,593</FONT></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3" NOWRAP STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Fixed Rate Cumulative Perpetual Preferred Stock, Series B</FONT></P></TD>

<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">695 shares</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">$1,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">$695,000</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">$80</FONT></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3" NOWRAP STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">$1,673</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="11" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="11" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
</TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Calculated in accordance with Rule 457(a). </FONT></TD></TR></TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center>
<P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:2px;margin-bottom:0px; text-indent:3%"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>The
Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this Registration Statement shall
thereafter become effective in accordance with Section&nbsp;8(a) of the Securities Act of 1933 or until this Registration Statement shall become effective on such date as the Commission, acting pursuant to said Section&nbsp;8(a), may determine.
</B></FONT></P> <P STYLE="font-size:3px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:0px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>

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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Arial Narrow" SIZE="2" COLOR="#de1a1e"><B>The information in this prospectus is not complete and may be changed. We may not sell these
securities until the registration statement filed with the Securities and Exchange Commission is effective. This prospectus is not an offer to sell these securities and is not soliciting an offer to buy these securities in any state where the offer
or sale is not permitted. </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2" COLOR="#de1a1e"><B>SUBJECT TO COMPLETION, DATED JULY 31, 2012 </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>PRELIMINARY PROSPECTUS </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="4"><B>13,900 Shares of Fixed Rate Cumulative Perpetual
Preferred Stock, Series A </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="4"><B>Liquidation Preference Amount $1,000 Per Share </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="4"><B>695 Shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series B </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="4"><B>Liquidation Preference Amount $1,000 Per Share </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g388224g53o80.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="6"><B>First National Corporation </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">This prospectus relates to the potential resale from time to time of some or all of 13,900 shares of our Fixed Rate Cumulative Perpetual
Preferred Stock, Series A (the &#147;Series A Preferred Shares&#148;), liquidation preference amount $1,000 per share, and 695 shares of our Fixed Rate Cumulative Perpetual Preferred Stock, Series B (the &#147;Series B Preferred Shares&#148; and,
together with the Series A Preferred Shares, the &#147;Preferred Shares&#148;) by the United States Department of the Treasury (&#147;Treasury&#148;). We issued the Preferred Shares to Treasury on March&nbsp;13, 2009 as part of Treasury&#146;s
Troubled Asset Relief Capital Purchase Program (the &#147;CPP&#148;) in a private placement exempt from the registration requirements of the Securities Act of 1933, as amended (the &#147;Securities Act&#148;). Treasury may offer the securities from
time to time directly or through underwriters, broker-dealers or agents and in one or more public or private transactions and at fixed prices, at prevailing market prices, at prices related to prevailing market prices or at negotiated prices. If
these securities are sold through underwriters, broker-dealers or agents, Treasury will be responsible for underwriting discounts or commissions or agents&#146; commissions, if any. We will not receive any proceeds from the sale of any Preferred
Shares sold by Treasury. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends on the Preferred Shares are payable quarterly in arrears on each
February&nbsp;15,&nbsp;May&nbsp;15,&nbsp;August&nbsp;15 and November&nbsp;15. The initial dividend rate on the Series A Preferred Shares is 5%&nbsp;per annum through May&nbsp;14, 2014, and will increase to 9%&nbsp;per annum on and after May&nbsp;15,
2014 if not otherwise redeemed earlier for cash by us. The dividend rate on the Series B Preferred Shares is 9%&nbsp;per annum. We may redeem the Preferred Shares, at any time, in whole or in part, at our option, subject to prior approval by the
appropriate federal banking agency, for cash, for a redemption price equal to 100% of the liquidation preference amount per Preferred Share plus any accrued and unpaid dividends to but excluding the date of redemption, provided that we must redeem
the Series A Preferred Shares before the Series B Preferred Shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares are not listed for trading on any
stock exchange or available for quotation on any national quotation system and we do not anticipate listing the Preferred Shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="3"><B>Investing in the Preferred Shares involves risks. See &#147;Risk Factors&#148; beginning on page 4 of this prospectus. </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>None of the Securities and Exchange Commission (the &#147;SEC&#148;), the Federal Deposit Insurance Corporation (the &#147;FDIC&#148;), the Board of Governors of the Federal Reserve System (the
&#147;Federal Reserve&#148;), any state or other securities commission or any other federal or state bank regulatory agency has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus. Any
representation to the contrary is a criminal offense. </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Preferred Shares are not savings accounts, deposits or other
obligations of any bank, thrift or other depositary institution and are not insured or guaranteed by the FDIC or any other governmental agency or instrumentality. </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">The date of this prospectus
is&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2012. </FONT></P>

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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc"></A>TABLE OF CONTENTS </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="95%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Page</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_1">About this Prospectus</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">ii</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_2">Available Information</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">ii</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_3">Incorporation of Certain Documents by Reference</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">ii</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_4">Prospectus Summary</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_5">Risk Factors</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_6">Forward-Looking Statements</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_7">Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividends</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_8">Use of Proceeds</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_9">Description of Preferred Shares</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_10">Selling Shareholder</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_12">Certain U.S. Federal Income Tax Consequences</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_11">Plan of Distribution</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_13">Experts</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc388224_14">Legal Matters</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">i </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_1"></A>ABOUT THIS PROSPECTUS </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">This prospectus is part of a registration statement we filed with the Securities and Exchange Commission, or the SEC, using a
&#147;shelf&#148; registration process. Under this shelf registration process, Treasury may, from time to time, offer and sell, in one or more offerings, the securities in this prospectus. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We will provide a prospectus supplement containing specific information about the terms of each particular offering by Treasury. The
prospectus supplement may also add, update or change information in this prospectus. If the information in this prospectus is inconsistent with a prospectus supplement, you should rely on the information in that prospectus supplement. You should
read both this prospectus and the applicable prospectus supplement, together with the additional information described under &#147;Where You Can Find More Information&#148; for more information. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unless the context indicates otherwise, all references in this prospectus to &#147;we,&#148; &#147;us,&#148; &#147;our,&#148; and the
&#147;Company&#148; refer to First National Corporation and its wholly owned subsidiaries, except that in the discussion of our capital stock and related matters, these terms refer solely to First National Corporation and not to its subsidiaries.
All references to the &#147;Bank&#148; refer to First Bank only. </FONT></P> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_2"></A>AVAILABLE INFORMATION
</B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We file annual, quarterly and current reports, proxy statements and other information required by the Securities Exchange
Act of 1934, as amended (the &#147;Exchange Act&#148;) with the SEC.&nbsp;You may read and copy any of these filed documents at the SEC&#146;s Public Reference Room at 100 F Street, N.E., Room 1580, Washington, DC, 20549.&nbsp;Please call the SEC at
1-800-SEC-0330 for further information. Our SEC filings are also available to the public from the SEC&#146;s website at http://www.sec.gov. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our Internet address is www.fbvirginia.com.&nbsp;Unless specifically incorporated by reference, the information on our website is not part of this prospectus. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">This prospectus is part of a Registration Statement and does not contain all of the information included in the Registration
Statement.&nbsp;Whenever a reference is made in this prospectus or any prospectus supplement, if applicable, to any contract or other document of ours, you should refer to the exhibits that are a part of the Registration Statement for a copy of the
referenced contract or document.&nbsp;Statements contained in this prospectus concerning the provisions of any documents are necessarily summaries of those documents, and each statement is qualified in its entirety by reference to the copy of the
document filed with the SEC. </FONT></P> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_3"></A>INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The SEC allows us to &#147;incorporate by reference&#148; into this prospectus information that we file with the SEC in other documents.
This means that we can disclose important information to you by referring you to other documents filed separately with the SEC. The information that we incorporate by reference is considered to be part of this prospectus. We incorporate by reference
the documents listed below: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our annual report on Form 10-K for the year ended December&nbsp;31, 2011 filed with the SEC on March&nbsp;28, 2012 (the &#147;Form 10-K&#148;);
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">The portions of our&nbsp;definitive proxy statement for our 2012 Annual Shareholders Meeting filed with the SEC on April&nbsp;6, 2012 that have been
incorporated by reference into the Form 10-K; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our quarterly report on Form 10-Q for the quarter ended March&nbsp;31, 2012 filed with the SEC on May&nbsp;15, 2012; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our current reports on Form 8-K filed with the SEC on February&nbsp;14, 2012,&nbsp;April&nbsp;13, 2012,&nbsp;May&nbsp;9, 2012,&nbsp;May&nbsp;14, 2012
and July&nbsp;3, 2012. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">ii </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">You may request a copy of any of these filings at no cost, by writing or telephoning us at
the following address or telephone number: M. Shane Bell, First National Corporation, 112 West King Street, Strasburg, Virginia 22657, telephone (540)&nbsp;465-9121. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">You should rely only upon the information provided in this document, or incorporated in this document by reference. We have not authorized anyone to provide you with different information. You should not
assume that the information in this document, including any information incorporated by reference, is accurate as of any date other than the date indicated on the front cover or the date given in the applicable document. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">iii
</FONT></P>


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


<div style ="BORDER-BOTTOM:1pt solid #000000;BORDER-LEFT:1pt solid #000000;BORDER-RIGHT:1pt solid #000000;BORDER-TOP:1pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_4"></A>PROSPECTUS SUMMARY </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>This summary highlights specific information contained elsewhere or incorporated by reference in this prospectus.&nbsp;However, this summary is not
complete and does not contain all of the information you should consider before investing in the Preferred Shares, and it is qualified in its entirety by the more detailed information included in or incorporated by reference into this
prospectus.&nbsp;To understand this offering fully, you should carefully read this entire prospectus, including the risks discussed under the &#147;Risk Factors&#148; section and our financial statements and related notes. </I></FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Overview </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are a bank
holding company headquartered in Strasburg, Virginia. Through our wholly-owned bank subsidiary, First Bank, we provide loan, deposit, investment, trust and asset management and other products and services in the northern Shenandoah Valley region of
Virginia. Loan products and services include personal loans, residential mortgages, home equity loans and commercial loans. Deposit products and services include checking, savings, NOW accounts, money market accounts, IRA accounts, certificates of
deposit, and cash management accounts. We also offer Internet banking, mobile banking, remote deposit capture and other traditional banking services. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Through our Trust and Asset Management Department, we offer a variety of trust and asset management services including estate planning, investment management of assets, trustee under an agreement, trustee
under a will, individual retirement accounts, estate settlement and benefit plans. We offer financial planning and brokerage services for our customers through our investment division, First Financial Advisors. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our products and services are provided through 10 branch offices, 26 ATMs and our website, www.fbvirginia.com. We operate six of our
offices under the &#147;Financial Center&#148; concept. A Financial Center offers all of the Bank&#146;s financial services at one location. This concept allows loan, deposit, trust and investment advisory personnel to be readily available to serve
customers throughout the Bank&#146;s market area. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Market Area </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our primary market area is located within an hour commute of the Washington, D.C. Metropolitan Area. The Bank&#146;s office locations are well-positioned in strong markets along the Interstate 81 and
Interstate 66 corridors in the northern Shenandoah Valley region of Virginia, which include the City of Winchester, Frederick County, Warren County and Shenandoah County. Within the market area there are various types of industry including medical
and professional services, manufacturing, retail and higher education. Customers include individuals, small and medium-sized businesses, local governmental entities and non-profit organizations. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">According to Federal Deposit Insurance Corporation (&#147;FDIC&#148;) deposit data as of June&nbsp;30, 2011, we were ranked first in
Shenandoah County with $228.6 million in deposits, representing 30% of the total deposit market; third in Warren County with $60.1 million or 12% of the market; fourth in Frederick County with $80.3 million or 15% of the market; and fifth in the
City of Winchester with $107.6 million or 8% of the market. We were ranked second overall in our market area with 15% of the total deposit market. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Corporate Information </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our principal executive offices are located at 112
West King Street, Strasburg, Virginia 22657 and our telephone number is (540)&nbsp;465-9121. We maintain a website at www.fbvirginia.com, which contains information relating to us. Unless specifically incorporated by reference, information on our
website is not a part of this prospectus. </FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P></div></div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 </FONT></P>


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


<div style ="BORDER-BOTTOM:1pt solid #000000;BORDER-LEFT:1pt solid #000000;BORDER-RIGHT:1pt solid #000000;BORDER-TOP:1pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Offering </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuer </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">First National Corporation, a Virginia corporation </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Series A Preferred Shares </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">13,900 shares of our Fixed Rate Cumulative Preferred Stock, Series A, par value $1.25 per share </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Series B Preferred Shares </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">695 shares of our Fixed Rate Cumulative Preferred Stock, Series B, par value $1.25 per share </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Offering Process </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury may offer to sell some or all of the Preferred Shares from time to time directly or through underwriters, broker-dealers or agents and in one or more public or private transactions and
at fixed prices, at prevailing market prices, at prices related to prevailing market prices or at negotiated prices. If these securities are sold through underwriters, broker-dealers or agents, Treasury will be responsible for underwriting discounts
or commissions or agents&#146; commissions, if any. </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Liquidation Preference </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">If we liquidate, dissolve or wind up (collectively, a &#147;liquidation&#148;), holders of the Preferred Shares will have the right to receive $1,000 per share, plus any accrued and unpaid
dividends (including dividends accrued on any unpaid dividends) to, but not including, the date of payment, before any payments are made to holders of our common stock or any other capital stock that ranks, by its terms, junior as to rights upon
liquidation to the Preferred Shares. </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends on the Preferred Shares are payable quarterly in arrears on each February 15, May 15, August 15 and November 15. The initial dividend rate on the Series A Preferred Shares is 5% per
annum through May 14, 2014, and will increase to 9% per annum on and after May 15, 2014 if not otherwise redeemed earlier for cash by us. The dividend rate on the Series B Preferred Shares is 9% per annum. </FONT></TD></TR></TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maturity </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares have no maturity date. </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Rank </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares rank (i) senior to common stock or any other capital stock that ranks, by its terms, junior as to dividend rights and/or rights upon liquidation to the Preferred Shares
(collectively, the &#147;Junior Stock&#148;), (ii) equally with any shares of our capital stock whose terms do not expressly provide that such class or series will rank senior or junior to the Preferred Shares as to dividend rights and/or rights
upon liquidation (collectively, the &#147;Parity Stock&#148;) and (iii) junior to all of our existing and future indebtedness and any future senior securities, in each case as to dividend rights and/or rights upon liquidation.
</FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Redemption </FONT></P></TD>
<TD> <P><FONT STYLE="font-family:Times New Roman" SIZE="2">We may redeem the Preferred Shares, at any time, in whole or in part, at our option, subject to prior approval by the appropriate federal banking agency, for a redemption price equal to 100%
of the liquidation preference amount per Preferred Share plus any accrued </FONT></P></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P></div></div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 </FONT></P>


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


<div style ="BORDER-BOTTOM:1pt solid #000000;BORDER-LEFT:1pt solid #000000;BORDER-RIGHT:1pt solid #000000;BORDER-TOP:1pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="38%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:0%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
and unpaid dividends (including dividends accrued on any unpaid dividends) to but excluding the date of redemption. We must redeem the Series A Preferred Shares before we are able to redeem the
Series B Preferred Shares. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Voting Rights </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">Holders of the Preferred Shares generally have no voting rights. However, if we do not pay dividends on the Preferred Shares for six or more quarterly periods, whether or not consecutive, the
holders of the Preferred Shares, voting as a single class with the holders of any other Parity Stock upon which like voting rights have been conferred and are exercisable, will be entitled to vote for the election of two additional directors to
serve on our board of directors until all accrued and unpaid dividends (including dividends accrued on any unpaid dividends) on the Preferred Shares are paid in full. There is no limit on the number of nominations and a plurality of eligible voters
would determine the election of the two new directors. </FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:0px; margin-left:38%"><FONT STYLE="font-family:Times New Roman" SIZE="2">. </FONT></P> <P><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition, the affirmative vote of the holders of at least
66-2/3% of the outstanding Preferred Shares is required for us to authorize, create or increase the authorized number of shares of our capital stock ranking, as to dividends or amounts payable upon liquidation, senior to the Preferred Shares, to
amend, alter or repeal any provision of our charter or the Certificate of Designations for the Preferred Shares in a manner that adversely affects the rights of the holders of the Preferred Shares or to consummate a binding share exchange or
reclassification of the Preferred Shares or a merger or consolidation of us with another entity unless (x) the Preferred Shares remain outstanding or are converted into or exchanged for preference shares of the surviving entity or its ultimate
parent and (y) the Preferred Shares remain outstanding or such preference shares have such terms that are not materially less favorable, taken as a whole, than the rights of the Preferred Shares immediately prior to such transaction, taken as a
whole. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Use of Proceeds </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">We will not receive any proceeds from the sale of any Preferred Shares sold by Treasury. See &#147;Use of Proceeds&#148; in this prospectus. </FONT></TD></TR></TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Listing </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares will not be listed for trading on any stock exchange or be available for quotation on any national quotation system. </FONT></TD></TR></TABLE>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="38%"> <P STYLE="margin-bottom:1px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Risk Factors </FONT></P></TD>
<TD><FONT STYLE="font-family:Times New Roman" SIZE="2">See &#147;Risk Factors&#148; and other information included or incorporated by reference in this prospectus for a discussion of factors you should consider carefully before making a decision to
invest in the Preferred Shares. </FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P></div></div>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_5"></A>RISK FACTORS </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>An investment in our Preferred Shares is subject to risks inherent in our business, risks relating to the structure of the Preferred
Shares and risks relating to the offering. The material risks and uncertainties that management believes affect your investment in the Preferred Shares are described below and in our Annual Report on Form 10-K for the year ended December&nbsp;31,
2011 incorporated by reference herein. Before making an investment decision, you should carefully consider the risks and uncertainties described below and information included or incorporated by reference in this prospectus. If any of these risks or
uncertainties are realized, our business, financial condition, capital levels, cash flows, liquidity, results of operations and prospects, as well as our ability to pay dividends on the Preferred Shares, could be materially and adversely affected
and the market price of the Preferred Shares could decline significantly and you could lose some or all of your investment. </I></FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Risk
Factors Related to Our Company </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>We may be further adversely affected by economic conditions in our market area.
</I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are headquartered in the northern Shenandoah Valley region of Virginia.&nbsp;Because our lending is concentrated
in this market, we are affected by the general economic conditions in the region.&nbsp;Changes in the economy may influence the growth rate of loans and deposits, the quality of the loan portfolio and loan and deposit pricing.&nbsp;A continued
decline in general economic conditions caused by inflation, recession, unemployment or other factors beyond our control would further impact these local economic conditions and the demand for banking products and services generally, which could
negatively affect our performance and financial condition. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Deteriorating credit quality, particularly in real estate
loans, has adversely impacted us and may continue to adversely impact us. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">During 2008, we began to experience a
downturn in the overall credit performance of the loan portfolio, as well as acceleration in the deterioration of general economic conditions. This deterioration, including a significant increase in national and regional unemployment levels, is
negatively impacting some borrowers&#146; ability to repay. During the year ended December&nbsp;31, 2008, these conditions resulted in a $13.9 million increase in non-performing assets and loans over 90 days past due to $16.2 million. At
December&nbsp;31, 2011, 2010 and 2009, non-performing assets and loans over 90 days past due remained at elevated levels, totaling $18.7 million, $15.4 million and $14.8 million, respectively.&nbsp;The provision for loan losses totaled $12.4
million, $11.7 million and $2.3 million for the years ended December&nbsp;31, 2011, 2010 and 2009, respectively. Non-performing assets and loans over 90 days past due totaled $16.3 million at March&nbsp;31, 2012 and the provision for loan losses
totaled $2.0 million for the quarter ended March&nbsp;31, 2012. Additional increases in loan loss reserves may be necessary in the future. Continued deterioration in the quality of the loan portfolio can have a material adverse effect on earnings,
liquidity and capital. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>We will realize additional future losses if our levels of non-performing assets do not moderate
and if the proceeds we receive upon liquidation of assets are less than the carrying value of such assets. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We expect
to continue to focus on reducing non-performing asset levels during 2012 by selling other real estate owned (OREO) and restructuring our problem loans and potential problem loans. Other potential problem loans are defined as performing loans that
possess certain risks, including the borrower&#146;s ability to pay and the collateral value securing the loan, that management has identified that may result in the loans not being repaid in accordance with their terms. At March&nbsp;31, 2012,
other potential problem loans totaled $48.3 million.&nbsp;Among our potential problem loans are several large credit relationships.&nbsp;Consequently, an adverse development with respect to one of these loans or credit relationships could expose us
to a significant increase in nonperforming assets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The actual volume of future distressed asset sales could increase based on
regulatory directives, the level of migration of performing loans to problem loan status, as well as opportunities to sell such assets, thus resulting in </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
higher credit costs. The continuing weakness in the residential and commercial real estate markets may negatively impact the ability to dispose of distressed assets, and may result in higher
credit losses on sales of distressed assets. Non-performing assets are recorded on the financial statements at the estimated fair value, which considers management&#146;s plans for disposition. We will realize additional future losses if the
proceeds received upon dispositions of assets are less than the recorded carrying value of such assets. If market conditions continue to decline, the magnitude of losses realized upon the disposition of non-performing assets may increase, which
could materially adversely affect our business, financial condition and results of operations. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Further increases in
non-performing assets may reduce interest income and increase net loan charge-offs, provision for loan losses, and operating expenses. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">As a result of the prolonged economic downturn, we are experiencing historically high levels of non-accrual loans. Non-accrual loans increased from 1.87% at December&nbsp;31, 2009 to 2.49% and 3.02% of
total loans at December&nbsp;31, 2010 and 2011, respectively. Non-accrual loans totaled 2.66% of total loans at March&nbsp;31, 2012.&nbsp;Until economic and market conditions improve at a more rapid pace, we expect to incur charge-offs to the
allowance for loan losses and lost interest income relating to increased non-performing loans and, as a result, additional increases in loan loss reserves may be necessary in the future. Non-performing assets (including non-accrual loans and other
real estate owned) totaled $15.9 million at March&nbsp;31, 2012. These non-performing assets can adversely affect net income mainly through increased operating expenses incurred to maintain such assets or loss charges related to subsequent declines
in the estimated fair value of foreclosed assets. Adverse changes in the value of our non-performing assets, or the underlying collateral, or in the borrowers&#146; performance or financial conditions could adversely affect our business, results of
operations and financial condition. There can be no assurance that we will not experience further increases in non-performing loans in the future, or that non-performing assets will not result in lower financial returns in the future. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>If our allowance for loan losses becomes inadequate, results of operations may be adversely affected. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We maintain an allowance for loan losses that we believe is a reasonable estimate of known and inherent losses in the Bank&#146;s loan
portfolio.&nbsp;Through a quarterly review of the loan portfolio, management determines the amount of the allowance for loan losses by considering economic conditions, credit quality of the loan portfolio, collateral supporting the loans,
performance of customers relative to their financial obligations and the quality of the Bank&#146;s loan administration.&nbsp;The amount of future losses is susceptible to changes in economic, operating and other conditions, including changes in
interest rates that may be beyond our control, and these losses may exceed current estimates.&nbsp;Although we believe the allowance for loan losses is a reasonable estimate of known and inherent losses in the loan portfolio, such losses and the
adequacy of the allowance for loan losses cannot be fully predicted.&nbsp;Excessive loan losses could have a material impact on financial performance through additions to the allowance for loan losses. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal and state regulators periodically review the allowance for loan losses and may require an increase to the provision for loan
losses or recognition of further loan charge-offs, based on judgments different than those of management.&nbsp;Any increase in the amount of provision or loans charged-off as required by these regulatory agencies could have a negative effect on
operating results. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>If our valuation allowance on OREO becomes inadequate, results of operations may be adversely
affected. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We maintain a valuation allowance that we believe is a reasonable estimate of known losses in OREO.&nbsp;We
obtain appraisals on all OREO properties on an annual basis and adjust the valuation allowance accordingly.&nbsp;The carrying value of OREO is susceptible to changes in economic and real estate market conditions.&nbsp;Although we believe the
valuation allowance is a reasonable estimate of known losses, such losses and the adequacy of the allowance cannot be fully predicted.&nbsp;Excessive declines in market values could have a material impact on financial performance. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Our concentrations of loans could result in higher than normal risk of loan defaults
and losses. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We offer a variety of secured loans, including commercial lines of credit, commercial term loans, real
estate, construction and land development, home equity, consumer and other loans. The majority of the loans are secured by real estate (both residential and commercial) in the market area. At March&nbsp;31, 2012, these loans totaled $351.3 million,
or 90%, of total loans. A major change in the real estate market, such as further deterioration in the value of this collateral, or in the local or national economy, could adversely affect customers&#146; ability to pay these loans, which in turn
could impact us. Risk of loan defaults and foreclosures are unavoidable in the banking industry, and we try to limit exposure to this risk by monitoring extensions of credit carefully. We cannot fully eliminate credit risk, and as a result credit
losses may occur in the future. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>We rely on secondary sources, such as Federal Home Loan Bank advances, sales of
securities and loans, federal funds lines of credit from correspondent banks and out-of-market time deposits, to meet liquidity needs. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In managing our consolidated balance sheet, we depend on secondary sources to provide sufficient liquidity to meet our commitments and business needs, and to accommodate the transaction and cash
management needs of clients. Other sources of funding available to us, and upon which we rely as regular components of our liquidity risk management strategy, include federal funds lines of credit, sales of securities and loans, brokered deposits
and borrowings from the Federal Home Loan Bank system. The availability of these funding sources is highly dependent upon the perception of the liquidity and creditworthiness of the financial institution, and such perception can change quickly in
response to market conditions or circumstances unique to a particular company. Any occurrence that may limit our access to these sources, such as a decline in the confidence of debt purchasers, or our depositors or counterparties, may adversely
affect our liquidity, financial position, and results of operations. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>If we need additional capital in the future, we
may not be able to obtain it on terms that are favorable.&nbsp;This could negatively affect our performance. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We
anticipate that we will have sufficient capital to support asset growth and potential loan charge-offs. However, additional capital may be needed in the future to maintain capital levels.&nbsp;The ability to raise capital through the sale of
additional securities will depend primarily upon our financial condition and the condition of financial markets at that time.&nbsp;We may not be able to obtain additional capital in amounts or on terms that are satisfactory.&nbsp;Our ability to grow
our balance sheet may be constrained if we are unable to raise additional capital as needed. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Changes in interest rates
may negatively impact net interest income if we are unable to successfully manage interest rate risk. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our
profitability will depend substantially upon the spread between the interest rates earned on investments and loans and interest rates paid on deposits and other interest-bearing liabilities.&nbsp;Changes in interest rates, including the shape of the
treasury yield curve, will affect our financial performance and condition through the pricing of securities, loans, deposits and borrowings.&nbsp;We attempt to minimize exposure to interest rate risk, but will be unable to eliminate it.&nbsp;Our net
interest spread will depend on many factors that are partly or entirely outside of our control, including competition, federal economic, monetary and fiscal policies and general economic conditions. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Our small-to-medium sized business target market may have fewer financial resources to weather a downturn in the economy.
</I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We target our commercial development and marketing strategy primarily to serve the banking and financial services
needs of small and medium sized businesses. These businesses generally have less capital or borrowing capacity than larger entities. If general economic conditions negatively impact this major economic sector in the markets in which we operate, our
results of operations and financial condition may be adversely affected. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6 </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Difficult market conditions have adversely affected our industry. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dramatic declines in the housing market over the past three years, with falling home prices and increasing foreclosures and unemployment,
have negatively impacted the credit performance of real estate related loans and resulted in significant write-downs of asset values by financial institutions. These write-downs, initially of mortgage-backed securities (MBS) but spreading to other
securities and loans has caused many financial institutions to seek additional capital, to reduce or eliminate dividends, to merge with larger and stronger institutions and, in some cases, to fail. Reflecting concern about the stability of the
financial markets generally and the strength of counterparties, many lenders and institutional investors have reduced or ceased providing funding to borrowers, including to other financial institutions. This market turmoil and tightening of credit
have led to an increased level of commercial and consumer delinquencies, lack of consumer confidence, increased market volatility and widespread reduction of business activity generally. The resulting economic pressure on consumers and lack of
confidence in the financial markets has adversely affected our business, financial condition and results of operations. Market developments may affect consumer confidence levels and may cause adverse changes in payment patterns, causing increases in
delinquencies and default rates, which may impact charge-offs and the provision for loan losses. A worsening of these conditions would likely have an adverse effect on us and others in the financial services industry. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>The soundness of other financial institutions could adversely affect us. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our ability to engage in routine funding transactions could be adversely affected by the actions and commercial soundness of other
financial institutions. Financial services institutions are interrelated as a result of trading, clearing, counterparty, or other relationships. As a result, defaults by, or even rumors or questions about, one or more financial services
institutions, or the financial services industry generally, may lead to market-wide liquidity problems and to losses or defaults by us or by other institutions. Many of these transactions expose us to credit risk in the event of default of its
counterparty or client. There is no assurance that any such losses would not materially and adversely affect our results of operations. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>We rely heavily on our management team and the unexpected loss of any of those personnel could adversely affect our operations; we depend on our ability to attract and retain key personnel.
</I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our future operating results depend substantially upon the continued service of its executive officers and key
personnel.&nbsp;Our future operating results also depend in significant part upon our ability to attract and retain qualified management, financial, technical, marketing, sales and support personnel.&nbsp;Competition for qualified personnel is
intense, and we cannot ensure success in attracting or retaining qualified personnel.&nbsp;There may be only a limited number of persons with the requisite skills to serve in these positions, and it may be increasingly difficult for us to hire
personnel over time. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our ability to retain key officers and employees may be further impacted by legislation and regulation
affecting the financial services industry. For example, certain executive compensation restrictions apply to us as a result of our participation in the CPP and shall generally continue to apply for as long as any Preferred Shares are owned by
Treasury. Such restrictions and standards may further impact management&#146;s ability to compete with financial institutions that are not subject to the same limitations as us as a result of the CPP. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Our compensation expense may increase substantially after Treasury&#146;s sale of the Preferred Shares. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As a result of our participation in the CPP, among other things, we are subject to Treasury&#146;s current standards for executive
compensation and corporate governance for the period during which Treasury holds any of our Preferred Shares. These standards were most recently set forth in the Interim Final Rule on TARP Standards for Compensation and Corporate Governance,
published June&nbsp;15, 2009. If Treasury elects to sell all of the Preferred Shares, these executive compensation and corporate governance standards will no longer be applicable and our compensation expense for our executive officers and other
senior employees may increase substantially. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">7 </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Future success is dependent on the ability to compete effectively in the highly
competitive banking industry. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We face vigorous competition from other financial institutions, including other
commercial banks, savings and loan associations, savings banks, finance companies and credit unions for deposits, loans and other financial services in its market area.&nbsp;A number of these other financial institutions are significantly larger
than us and have substantially greater access to capital and other resources, as well as larger lending limits and branch systems, and offer a wider array of banking services.&nbsp;To a limited extent we also compete with other providers of
financial services, such as money market mutual funds, brokerage firms, insurance companies and governmental organizations which may offer more favorable products and services than us.&nbsp;Many of the non-bank competitors are not subject to the
same extensive regulations that govern us.&nbsp;As a result, the non-bank competitors have advantages over us in providing certain services.&nbsp;This competition may reduce or limit profit margins and market share and may adversely affect the
results of operations and financial condition. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Regulation by federal and state agencies could adversely affect the
profitability of the business. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are heavily regulated by federal and state agencies. This regulation is to protect
depositors, the federal deposit insurance fund and the banking system as a whole. Congress and state legislatures and federal and state regulatory agencies continually review banking laws, regulations, and policies for possible changes. Changes to
statutes, regulations, or regulatory policies, including interpretation or implementation of statutes, regulations, or policies, could affect us adversely, including limiting the types of financial services and products we may offer and/or
increasing the ability of non-banks to offer competing financial services and products. If we do not comply with laws, regulations, or policies, we could receive regulatory sanctions and damage to our reputation. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Government measures to regulate the financial industry, including the Dodd-Frank Wall Street Reform and Consumer Protection Act
(the &#147;Dodd-Frank Act&#148;), subject us to increased regulation and could adversely affect us. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As a financial
institution, we are heavily regulated at the state and federal levels.&nbsp;As a result of the financial crisis and related global economic downturn that began in 2007, we have faced, and expect to continue to face, increased public and legislative
scrutiny as well as stricter and more comprehensive regulation of our financial services practices.&nbsp;In July 2010, the Dodd-Frank Act was signed into law.&nbsp;The Dodd-Frank Act includes significant changes in the financial regulatory landscape
and will impact all financial institutions, including the Company and the Bank.&nbsp;Many of the provisions of the Dodd-Frank Act have begun to be or will be implemented over the next several months and years and will be subject both to further
rulemaking and the discretion of applicable regulatory bodies.&nbsp;Because the ultimate impact of the Dodd-Frank Act will depend on future regulatory rulemaking and interpretation, we cannot predict the full effect of this legislation on our
businesses, financial condition or results of operations. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Recently enacted legislation could allow us to deregister
under the Exchange Act, which would result in a reduction in the amount and frequency of publicly-available information about us. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Recently enacted&nbsp;legislation called the Jumpstart Our Business Startups Act (or &#147;JOBS Act&#148;) may allow us to terminate the registration of our common stock under the Exchange Act.&nbsp;If we
determined to deregister our common stock under the Exchange Act, it would enable us to save significant expenses relating to our public disclosure and reporting requirements under the Exchange Act.&nbsp;However, a deregistration of our common stock
also would result in a reduction in the amount and frequency of publicly-available information about the Company and the Bank. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Changes in our accounting policies or in accounting standards could materially affect how we report financial results and
condition. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">From time to time, the Financial Accounting Standards Board (FASB) and SEC change the financial accounting
and reporting standards that govern the preparation of our financial statements. These changes can be </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8 </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
hard to predict and can materially impact how we record and report our financial condition and results of operations. In some cases, we could be required to apply a new or revised standard
retroactively, resulting in restating prior period financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Our ability to operate profitably may be
dependent on our ability to implement various technologies into our operations. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The market for financial services,
including banking service and consumer finance services is increasingly affected by advances in technology, including developments in telecommunications, data processing, computers, automation, internet-based banking and tele-banking. Our ability to
compete successfully in its market may depend on the extent to which we are able to exploit such technological changes. If we are not able to afford such technologies, properly or timely anticipate or implement such technologies, or properly train
its staff to use such technologies, our business, financial condition or operating results could be adversely affected. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Our operations depend upon third party vendors that perform services for us. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We outsource many of our operating and banking functions, including some data processing functions and the interchange and transmission
services for the ATM network. As such, our success and ability to expand operations depends on the services provided by these third parties. Disputes with these third parties may adversely affect operations. We may not be able to engage appropriate
vendors to adequately service our needs, and the vendors that we engage may not be able to perform successfully. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Negative public opinion could damage our reputation and adversely impact liquidity and profitability. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As a financial institution, our earnings, liquidity, and capital are subject to risks associated with negative public opinion of us and
of the financial services industry as a whole. Negative public opinion could result from our actual or alleged conduct in any number of activities, including lending practices, the failure of any product or service sold by us to meet our
clients&#146; expectations or applicable regulatory requirements, corporate governance and acquisitions, or from actions taken by government regulators and community organizations in response to those activities. Negative public opinion can
adversely affect our ability to keep, attract and/or retain customers and can expose us to litigation and regulatory action. Actual or alleged conduct by one of our businesses can result in negative public opinion about our other businesses.
Negative public opinion could also affect our ability to borrow funds in the unsecured wholesale debt markets. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Potential future losses may result in an additional valuation allowance for deferred tax assets. Recapture of the deferred tax
asset balance (i.e., reversal of the valuation allowance) is subject to considerable judgment and could be adversely impacted by changes in future income tax rates. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">During 2011, we reached a three-year cumulative pre-tax loss position.&nbsp;Under GAAP, cumulative losses in recent years are considered significant negative evidence which is difficult to overcome in
assessing the realizability of a deferred tax asset. As a result, beginning with the fourth quarter of 2011, we no longer consider future taxable income in determining the realizability of its deferred tax assets. At March&nbsp;31, 2012, we had
recorded a full valuation allowance of $6.6 million on its net deferred tax assets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We expect to reverse the valuation
allowance for deferred tax assets once it has demonstrated a sustainable return to profitability. However, the reversal of the valuation allowance is subject to considerable judgment. Additionally, even after the recovery of the deferred tax asset
balance under GAAP, which would immediately benefit GAAP capital and the tangible common equity ratio, there will remain limitations on the ability to include the deferred tax assets for regulatory capital purposes. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Increases in FDIC insurance premiums could adversely affect our profitability. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Dodd-Frank Act directed the FDIC to amend its regulations to re-define the method of calculation of an insured depository
institution&#146;s insurance fund assessment. The Dodd-Frank Act requires the assessment base to </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9 </FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
be an amount equal to the average consolidated total assets of the insured depository institution during the assessment period, minus the sum of the average tangible equity of the insured
depository institution during the assessment period and an amount the FDIC determines is necessary to establish assessments consistent with the risk-based assessment system found in the Federal Deposit Insurance Act. The FDIC has issued final rules
outlining this new insurance assessment methodology, which will impact the amount of the Bank&#146;s insurance assessment. In addition, the FDIC may make additional changes to the way in which it calculates insurance premiums. We cannot predict the
timing of any future changes, and if made, the effect that these changes could have on our insurance assessment. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Risks Related to an
Investment in the Preferred Shares </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>The Preferred Shares are equity and are subordinated to all of our existing and
future indebtedness; we are highly dependent on dividends and other amounts from our subsidiaries in order to pay dividends on, and redeem at our option, the Preferred Shares, which are subject to various prohibitions and other restrictions; and the
Preferred Shares place no limitations on the amount of indebtedness we and our subsidiaries may incur in the future. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares are equity interests in the Company and do not constitute indebtedness. As such, the Preferred Shares, like our
common stock, rank junior to all existing and future indebtedness and other non-equity claims on the Company with respect to assets available to satisfy claims on the Company, including in a liquidation of the Company. Additionally, unlike
indebtedness, where principal and interest would customarily be payable on specified due dates, in the case of perpetual preferred stock like the Preferred Shares, there is no stated maturity date (although the Preferred Shares are subject to
redemption at our option) and dividends are payable only if, when and as authorized and declared by our board of directors and depend on, among other matters, our historical and projected results of operations, liquidity, cash flows, capital levels,
financial condition, debt service requirements and other cash needs, financing covenants, applicable state law, federal and state regulatory prohibitions and other restrictions and any other factors our board of directors deems relevant at the time.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">If (i)&nbsp;there has occurred and is continuing an event of default under the Company&#146;s trust preferred securities or
(ii)&nbsp;the Company has given notice of its election to defer payments of interest on its trust preferred securities or such a deferral has occurred and is continuing, then the Company may not declare or pay any dividends or distributions on, or
redeem, purchase, acquire or make a liquidation payment with respect to, any of its capital stock (including the Preferred Shares). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares are not savings accounts, deposits or other obligations of any depository institution and are not insured or guaranteed by the FDIC or any other governmental agency or
instrumentality. Furthermore, the Company is a legal entity that is separate and distinct from its subsidiaries, and its subsidiaries have no obligation, contingent or otherwise, to make any payments in respect of the Preferred Shares or to make
funds available therefor.&nbsp;Because the Company is a holding company that maintains only limited cash at that level, its ability to pay dividends on, and redeem at its option, the Preferred Shares will be highly dependent upon the receipt of
dividends, fees and other amounts from its subsidiaries, which, in turn, will be highly dependent upon the historical and projected results of operations, liquidity, cash flows and financial condition of its subsidiaries.&nbsp;In addition, the right
of the Company to participate in any distribution of assets of any of its subsidiaries upon their respective liquidation or reorganization will be subject to the prior claims of the creditors (including any depositors) and preferred equity holders
of the applicable subsidiary, except to the extent that the Company is a creditor, and is recognized as a creditor, of such subsidiary.&nbsp;Accordingly, the holders of the Preferred Shares will be structurally subordinated to all existing and
future obligations and preferred equity of the Company&#146;s subsidiaries.</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">There are also various legal and regulatory
prohibitions and other restrictions on the ability of the Company&#146;s depository institution subsidiaries to pay dividends, extend credit or otherwise transfer funds to the </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
Company or affiliates.&nbsp;Such dividend payments are subject to regulatory tests, generally based on current and retained earnings of such subsidiaries and other factors, and, are currently
prohibited without regulatory approval.&nbsp;Dividend payments to the Company from its depository institution subsidiaries may also be prohibited if such payments would impair the capital of the applicable subsidiary and in certain other
cases.&nbsp;In addition, regulatory rules limit the aggregate amount of a depository institution&#146;s loans to, and investments in, any single affiliate in varying thresholds and may prevent the Company from borrowing from their depository
institution subsidiaries and require any permitted borrowings to be collateralized. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company also is subject to various
legal and regulatory policies and requirements impacting the Company&#146;s ability to pay dividends on, or redeem, the Preferred Shares.&nbsp;Under the Federal Reserve&#146;s capital regulations, in order to ensure Tier 1 capital treatment for the
Preferred Shares, the Company&#146;s redemption of any of the Preferred Shares must be subject to prior regulatory approval.&nbsp;The Federal Reserve also may require the Company to consult with it prior to increasing dividends.&nbsp;In addition, as
a matter of policy, the Federal Reserve may restrict or prohibit the payment of dividends if (i)&nbsp;the Company&#146;s net income available to shareholders for the past four quarters, net of dividends previously paid during that period, is not
sufficient to fully fund the dividends; (ii)&nbsp;the Company&#146;s prospective rate of earnings retention is not consistent with its capital needs and overall current and prospective financial condition; (iii)&nbsp;the Company will not meet, or is
in danger of not meeting, its minimum regulatory capital ratios; or (iv)&nbsp;the Federal Reserve otherwise determines that the payment of dividends would constitute an unsafe or unsound practice.&nbsp;Recent and future regulatory developments may
result in additional restrictions on the Company&#146;s ability to pay dividends. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition, the terms of the Preferred
Shares do not limit the amount of debt or other obligations we or our subsidiaries may incur in the future. Accordingly, we and our subsidiaries may incur substantial amounts of additional debt and other obligations that will rank senior to the
Preferred Shares or to which the Preferred Shares will be structurally subordinated. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>An active trading market for the
Preferred Shares may not develop or be maintained. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares are not currently listed on any securities
exchange or available for quotation on any national quotation system, and we do not plan to list, or make available for quotation, the Preferred Shares in the future. There can be no assurance that an active trading market for the Preferred Shares
will develop or, if developed, will be maintained. If an active market is not developed and maintained, the market value and liquidity of the Preferred Shares may be materially and adversely affected. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>The Preferred Shares may be junior in rights and preferences to our future preferred stock. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Subject to approval by the holders of at least 66 2/3% of the Preferred Shares then outstanding, voting as a separate class, we may issue
preferred stock in the future the terms of which are expressly senior to the Preferred Shares. The terms of any such future preferred stock expressly senior to the Preferred Shares may prohibit or otherwise restrict dividend payments on the
Preferred Shares. For example, the terms of any such senior preferred stock may provide that, unless full dividends for all of our outstanding preferred stock senior to the Preferred Shares have been paid for the relevant periods, no dividends will
be paid on the Preferred Shares, and no Preferred Shares may be repurchased, redeemed, or otherwise acquired by us. In addition, in the event of our liquidation, dissolution or winding-up, the terms of any such senior preferred stock would likely
prohibit us from making any payments on the Preferred Shares until all amounts due to holders of such senior preferred stock are paid in full. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>Holders of the Preferred Shares have limited voting rights. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unless
and until we are in arrears on our dividend payments on the Preferred Shares for six quarterly periods, whether or not consecutive, the holders of the Preferred Shares will have no voting rights except with respect to certain fundamental changes in
the terms of the Preferred Shares and certain other matters and except </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">11 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
as may be required by applicable law. If dividends on the Preferred Shares are not paid in full for six quarterly periods, whether or not consecutive, the total number of positions on the
Company&#146;s board of directors will automatically increase by two and the holders of the Preferred Shares, acting as a class with any other shares of our preferred stock with parity voting rights to the Preferred Shares, will have the right to
elect two individuals to serve in the new director positions. This right and the terms of such directors will end when we have paid in full all accrued and unpaid dividends for all past dividend periods. See &#147;Description of Preferred
Shares&#151;Voting Rights&#148; in this prospectus. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>We are subject to extensive regulation, and ownership of the
Preferred Shares may have regulatory implications for holders thereof. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are subject to extensive federal and state
banking laws, including the Bank Holding Company Act of 1956, as amended (the &#147;BHCA&#148;), and federal and state banking regulations, that impact the rights and obligations of owners of the Preferred Shares, including, for example, our ability
to declare and pay dividends on, and to redeem, the Preferred Shares. Although the Company does not believe the Preferred Shares are considered &#147;voting securities&#148; currently, if they were to become voting securities for the purposes of the
BHCA, whether because the Company has missed six dividend payments and holders of the Preferred Shares have the right to elect directors as a result, or for other reasons, a holder of 25% of more of the Preferred Shares, or a holder of a lesser
percentage of our Preferred Shares that is deemed to exercise a &#147;controlling influence&#148; over us, may become subject to regulation under the BHCA. In addition, if the Preferred Shares become &#147;voting securities&#148;, then (a)&nbsp;any
bank holding company or foreign bank that is subject to the BHCA may need approval to acquire or retain more than 5% of the then outstanding Preferred Shares, and (b)&nbsp;any holder (or group of holders acting in concert) may need regulatory
approval to acquire or retain 10% or more of the Preferred Shares. A holder or group of holders may also be deemed to control us if they own one-third or more of our total equity, both voting and non-voting, aggregating all shares held by the
investor across all classes of stock. Holders of the Preferred Shares should consult their own counsel with regard to regulatory implications. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>If we redeem the Preferred Shares, you may be unable to reinvest the redemption proceeds in a comparable investment at the same or greater rate of return. </I></B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have the right to redeem the Preferred Shares, in whole or in part, at our option at any time, subject to prior regulatory
approval.&nbsp;If we choose to redeem the Preferred Shares in part, we have been informed by DTC that it is their current practice to determine by lot the amount of the interest of each direct participant (through which beneficial owners hold their
interest) to be redeemed.&nbsp;If we choose to redeem the Preferred Shares, we are likely to do so if we are able to obtain a lower cost of capital.&nbsp;If prevailing interest rates are relatively low if or when we choose to redeem the Preferred
Shares, you generally will not be able to reinvest the redemption proceeds in a comparable investment at the same or greater rate of return. Furthermore, if we redeem the Preferred Shares in part, the liquidity of the outstanding Preferred Shares
may be limited. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>If we do not redeem the Series A Preferred Shares prior to May&nbsp;15, 2014, the cost of this capital
to us will increase substantially and could have a material adverse effect on our liquidity and cash flows. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have
the right to redeem the Preferred Shares, in whole or in part, at our option at any time. If we do not redeem the Series A Preferred Shares prior to May&nbsp;15, 2014, the cost of this capital to us will increase substantially on and after that
date, with the dividend rate increasing from 5.0%&nbsp;per annum to 9.0%&nbsp;per annum, which could have a material adverse effect on our liquidity and cash flows. See &#147;Description of Preferred Shares&#151;Redemption and Repurchases&#148; in
this prospectus. Any redemption by us of the Preferred Shares would require prior regulatory approval from the Federal Reserve. We have not applied for such regulatory approval and have no present intention to redeem any of the Preferred Shares,
although, in the future, we may seek such approval and, if such approval is obtained (as to which no assurance can be given), redeem the Preferred Shares for cash. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">12 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Treasury is a federal agency and your ability to bring a claim against Treasury under
the federal securities laws in connection with a purchase of Preferred Shares may be limited. </I></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The doctrine of
sovereign immunity, as limited by the Federal Tort Claims Act (the &#147;FTCA&#148;), provides that claims may not be brought against the United States of America or any agency or instrumentality thereof unless specifically permitted by act of
Congress. The FTCA bars claims for fraud or misrepresentation. At least one federal court, in a case involving a federal agency, has held that the United States may assert its sovereign immunity to claims brought under the federal securities laws.
In addition, Treasury and its officers, agents, and employees are exempt from liability for any violation or alleged violation of the anti-fraud provisions of Section&nbsp;10(b) of the Exchange Act by virtue of Section&nbsp;3(c) thereof. The
underwriters are not claiming to be agents of Treasury in this offering. Accordingly, any attempt to assert such a claim against the officers, agents or employees of Treasury for a violation of the Securities Act or the Exchange Act resulting from
an alleged material misstatement in or material omission from this prospectus, the registration statement of which this prospectus or the documents incorporated by reference in this prospectus are a part or resulting from any other act or omission
in connection with the offering of the Preferred Shares by Treasury would likely be barred. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">13 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_6"></A>FORWARD-LOOKING STATEMENTS </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certain information contained in this prospectus may include &#147;forward-looking statements&#148; within the meaning of
Section&nbsp;27A of the Securities Act of 1933, as amended, and Section&nbsp;21E of the Exchange Act. These forward-looking statements are generally identified by phrases such as &#147;we expect,&#148; &#147;we believe&#148; or words of similar
import. Such forward-looking statements involve known and unknown risks including, but not limited to: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the ability to raise capital as needed; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">adverse economic conditions in the market area and the impact on credit quality and risks inherent in the loan portfolio such as repayment risk and
fluctuating collateral values; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">additional future losses if our levels of non-performing assets do not moderate and if the proceeds we receive upon liquidation of assets are less than
the carrying value of such assets; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">further increases of non-performing assets may reduce interest income and increase net charge-offs, provision for loan losses, and operating expenses;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the adequacy of the allowance for loan losses related to specific reserves on impaired loans, and changes in factors considered such as general
economic and business conditions in the market area and overall asset quality; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the adequacy of the valuation allowance for other real estate owned related to changes in economic conditions and local real estate activity;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">loss or retirement of key executives; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the ability to compete effectively in the highly competitive banking industry; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">legislative or regulatory changes, including changes in accounting standards, may adversely affect the businesses that the Company is engaged in;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the ability to implement various technologies into our operations may impact the Company&#146;s ability to operate profitably;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the ability of the Company to implement its disaster recovery plan in the event of a natural disaster; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">risks related to the timing of the recoverability of the deferred tax asset, which is subject to considerable judgment, and the risk that even after
the recovery of the deferred tax asset balance under GAAP, there will remain limitations on the ability to include our deferred tax assets for regulatory capital purposes; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">increases in FDIC insurance premiums could adversely affect the Company&#146;s profitability; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the ability to retain customers and secondary funding sources if the Bank&#146;s reputation would become damaged; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the reliance on secondary sources, such as Federal Home Loan Bank advances, sales of securities and loans, federal funds lines of credit from
correspondent banks and out-of-market time deposits, to meet liquidity needs; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in interest rates could have a negative impact on the Company&#146;s net interest income and an unfavorable impact on the Bank&#146;s
customers&#146; ability to repay loans; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">other factors identified in &#147;Risk Factors&#148;, above. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Although we believe that our expectations with respect to the forward-looking statements are based upon reliable assumptions within the
bounds of our knowledge of our business and operations, there can be no assurance that our actual results, performance or achievements will not differ materially from any future results, performance or achievements expressed or implied by such
forward-looking statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">14 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_7"></A>RATIO OF EARNINGS TO COMBINED FIXED CHARGES AND PREFERENCE
DIVIDENDS </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents our historical ratio of earnings to combined fixed charges and preference
dividends for the three months ended March&nbsp;31, 2012 and for each of the years in the five-year period ended December&nbsp;31, 2011. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD ROWSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Three&nbsp;
Months</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Ended</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>March&nbsp;31,&nbsp;2012</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Three&nbsp;
Months</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Ended</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>March&nbsp;31,&nbsp;2011</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Year Ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratios of Earnings to Combined Fixed</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charges and Preference Dividends</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Including interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.29x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.65x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.13x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.20x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.47x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.49x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Excluding interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.94x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.39x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.88x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.33x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.51x</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;Earnings&#148; consist of income from continuing operations before adjustments for income taxes plus fixed charges and preference dividends. &#147;Combined fixed
charges and preference dividends&#148; consist of interest costs and preferred stock dividends. We have computed the ratios of earnings to combined fixed charges and preference dividends by dividing earnings by combined fixed charges and preference
dividends. If we do not redeem the Series A Preferred Shares prior to February&nbsp;15, 2014, the cost of this capital to us will increase substantially on and after that date, with the dividend rate increasing from 5.0% to 9.0%&nbsp;per annum,
which would adversely affect our ratio of earnings to combined fixed charges and preferred stock dividends. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The earnings coverage for the year ended December&nbsp;31, 2011 was inadequate to cover combined fixed charges and preference dividends by $8.3 million.
</FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The earnings coverage for the year ended December&nbsp;31, 2010 was inadequate to cover combined fixed charges and preference dividends by $7.0 million.
</FONT></TD></TR></TABLE> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_8"></A>USE OF PROCEEDS </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares offered by this prospectus are being sold for the account of Treasury. Any proceeds from the sale of these Preferred
Shares will be received by Treasury for its own account, and we will not receive any proceeds from the sale of any Preferred Shares offered by this prospectus. </FONT></P> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_9"></A>DESCRIPTION OF PREFERRED SHARES </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>This section
summarizes specific terms and provisions of the Preferred Shares. The description of the Preferred Shares contained in this section is qualified in its entirety by the actual terms of the Preferred Shares, as are stated in the Articles of Amendment
to the Company&#146;s Articles of Incorporation, a copy of which was attached as Exhibit 3.1 to our Current Report on Form 8-K filed on March&nbsp;17, 2009 and incorporated by reference into this prospectus. See &#147;Available Information&#148; and
&#147;Incorporation of Certain Documents by Reference&#148; in this prospectus. </I></FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>General </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares include both the Series A Preferred Shares and the Series B Preferred Shares. The Series A Preferred Shares
constitutes a series of our perpetual, cumulative, preferred stock, consisting of 13,900 shares, par value $1.25 per share, having a liquidation preference amount of $1,000 per share. The Series B Preferred Shares constitutes a series of our
perpetual, cumulative, preferred stock, consisting of 695 shares, par value $1.25 per share, having a liquidation preference amount of $1,000 per share. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">This section summarizes the terms of the Series A Preferred Shares and the Series B Preferred Shares together as the Preferred Shares. Except whether otherwise indicated, the terms of the Preferred Shares
described </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">15 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
below apply to both the Series A Preferred Shares and the Series B Preferred Shares. The Series A Preferred Shares and the Series B Preferred Shares rank equally and generally have identical
terms, with the exception that the Series B Preferred Shares entitle their holder(s) to cumulative dividends at a rate of 9%&nbsp;per annum from the date of initial issuance. In addition, the Series Series A Preferred Shares must be redeemed before
the Series B Preferred Shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares have no maturity date. We issued the Preferred Shares to Treasury on
March&nbsp;13, 2009 in connection with the CPP for an aggregate purchase price of $13.9 million in a private placement exempt from the registration requirements of the Securities Act. The Preferred Shares qualify as Tier&nbsp;1 capital for
regulatory purposes. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Dividends </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>Rate.</I></B> Dividends on the Preferred Shares are payable quarterly in arrears, when, as and if authorized and declared by our board of directors out of legally available funds, on a cumulative
basis on the $1,000 per share liquidation preference amount plus the amount of accrued and unpaid dividends for any prior dividend periods. Dividends on the Series A Preferred Shares are payable at a rate of (i)&nbsp;5% per annum, from the original
issuance date to but excluding the first day of the first dividend period commencing on or after the fifth anniversary of the original issuance date (i.e., 5%&nbsp;per annum from March&nbsp;13, 2009 to but excluding May&nbsp;15, 2014), and
(ii)&nbsp;9% per annum, from and after the first day of the first dividend period commencing on or after the fifth anniversary of the original issuance date (i.e., 9%&nbsp;per annum on and after May&nbsp;15, 2014). Dividends on the Series B
Preferred Shares are payable at a rate of 9%&nbsp;per annum from the original issuance date. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends are payable quarterly
in arrears on February&nbsp;15,&nbsp;May&nbsp;15,&nbsp;August&nbsp;15 and November&nbsp;15 of each year. Each dividend will be payable to holders of record as they appear on our stock register on the applicable record date, which will be the 15th
calendar day immediately preceding the related dividend payment date (whether or not a business day), or such other record date determined by our board of directors that is not more than 60 nor less than ten days prior to the related dividend
payment date. Each period from and including a dividend payment date (or the date of the issuance of the Preferred Shares) to but excluding the following dividend payment date is referred to as a &#147;dividend period.&#148; Dividends payable for
each dividend period are computed on the basis of a 360-day year consisting of twelve 30-day months. If a scheduled dividend payment date falls on a day that is not a business day, the dividend will be paid on the next business day as if it were
paid on the scheduled dividend payment date, and no interest or other additional amount will accrue on the dividend. The term &#147;business day&#148; means any day except Saturday, Sunday and any day on which banking institutions in the State of
New York generally are authorized or required by law or other governmental actions to close. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends on the Preferred
Shares are cumulative. If for any reason our board of directors does not declare a dividend on the Preferred Shares for a particular dividend period, or if the board of directors declares less than a full dividend, we will remain obligated to pay
the unpaid portion of the dividend for that period and the unpaid dividend will compound on each subsequent dividend date (meaning that dividends for future dividend periods will accrue on any unpaid dividend amounts for prior dividend periods).
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are not obligated to pay holders of the Preferred Shares any dividend in excess of the dividends on the Preferred Shares
that are payable as described above. There is no sinking fund with respect to dividends on the Preferred Shares. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Priority of Dividends.</I></B> So long as the Preferred Shares remains outstanding, we may not declare or pay a dividend or other
distribution on our common stock or any other shares of Junior Stock (other than dividends payable solely in common stock) or Parity Stock (other than dividends paid on a pro rata basis with the Preferred Shares), and we generally may not directly
or indirectly purchase, redeem or otherwise acquire any shares of common stock, Junior Stock or Parity Stock unless all accrued and unpaid dividends on the Preferred Shares for all past dividend periods are paid in full. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">16 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;Junior Stock&#148; means our common stock and any other class or series of our stock
the terms of which expressly provide that it ranks junior to the Preferred Shares as to dividend rights and/or as to rights on liquidation, dissolution or winding up of the Company. We currently have no outstanding class or series of stock
constituting Junior Stock other than our common stock. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;Parity Stock&#148; means any class or series of our stock, other
than the Preferred Shares, the terms of which do not expressly provide that such class or series will rank senior or junior to the Preferred Shares as to dividend rights and/or as to rights on liquidation, dissolution or winding up of the Company,
in each case without regard to whether dividends accrue cumulatively or non-cumulatively. Other than the Series A Preferred Stock and Series B Preferred Stock, which are considered Parity Stock as to each other, we currently have no outstanding
class or series of stock constituting Parity Stock. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liquidation Rights </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In the event of any voluntary or involuntary liquidation, dissolution or winding up of the affairs of the Company, holders of the
Preferred Shares will be entitled to receive for each share of the Preferred Shares, out of the assets of the Company or proceeds available for distribution to our stockholders, subject to any rights of our creditors, before any distribution of
assets or proceeds is made to or set aside for the holders of our common stock and any other class or series of our stock ranking junior to the Preferred Shares, payment of an amount equal to the sum of (i)&nbsp;the $1,000 liquidation preference
amount per share and (ii)&nbsp;the amount of any accrued and unpaid dividends on the Preferred Shares (including dividends accrued on any unpaid dividends). To the extent the assets or proceeds available for distribution to stockholders are not
sufficient to fully pay the liquidation payments owing to the holders of the Preferred Shares and the holders of any other class or series of our stock ranking equally with the Preferred Shares, the holders of the Preferred Shares and such other
stock will share ratably in the distribution. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For purposes of the liquidation rights of the Preferred Shares, neither a
merger or consolidation of the Company with another entity, including a merger or consolidation in which the holders of Preferred Shares receive cash, securities or other property for their shares, nor a sale, lease or exchange of all or
substantially all of the Company&#146;s assets will constitute a liquidation, dissolution or winding up of the affairs of the Company. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Redemptions and Repurchases </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We may redeem the Preferred Shares, at any time, in whole or in part, at our option, subject to prior approval by the appropriate federal banking agency, for a redemption price equal to 100% of the
liquidation preference amount per Preferred Share plus any accrued and unpaid dividends to but excluding the date of redemption (including dividends accrued on any unpaid dividends), provided that any declared but unpaid dividend payable on a
redemption date that occurs subsequent to the record date for the dividend will be payable to the holder of record of the redeemed shares on the dividend record date. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">To exercise the redemption right described above, we must give notice of the redemption to the holders of record of the Preferred Shares by first class mail, not less than 30&nbsp;days and not more than
60&nbsp;days before the date of redemption. Each notice of redemption given to a holder of Preferred Shares must state: (i)&nbsp;the redemption date; (ii)&nbsp;the number of Preferred Shares to be redeemed and, if less than all the shares held by
such holder are to be redeemed, the number of such shares to be redeemed from such holder; (iii)&nbsp;the redemption price; and (iv)&nbsp;the place or places where certificates for such shares are to be surrendered for payment of the redemption
price. In the case of a partial redemption of the Preferred Shares, the shares to be redeemed will be selected either pro rata or in such other manner as our board of directors determines to be fair and equitable. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Securities Purchase Agreement between us and Treasury provides that so long as Treasury continues to own any Preferred Shares, we may
not repurchase any Preferred Shares from any other holder of such shares unless we offer to repurchase a ratable portion of the Preferred Shares then held by Treasury on the same terms and conditions. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">17 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred Shares that we redeem, repurchase or otherwise acquire will revert to authorized
but unissued shares of preferred stock, which may then be reissued by us as any series of preferred stock other than the Preferred Shares. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>No Conversion Rights </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Holders of the Preferred Shares have no right to exchange or convert their shares into common stock or any other securities. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Voting Rights </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
holders of the Preferred Shares do not have voting rights other than those described below, except to the extent specifically required by Virginia law. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Whenever dividends have not been paid on the Preferred Shares for six or more quarterly dividend periods, whether or not consecutive, the authorized number of directors of the Company will automatically
increase by two and the holders of the Preferred Shares will have the right, with the holders of shares of any other classes or series of Voting Parity Stock outstanding at the time, voting together as a class, to elect two directors (the
&#147;Preferred Directors&#148;) to fill such newly created directorships at our next annual meeting of stockholders (or at a special meeting called for that purpose prior to the next annual meeting) and at each subsequent annual meeting of
stockholders until all accrued and unpaid dividends (including dividends accrued on any unpaid dividends) for all past dividend periods on all outstanding Preferred Shares have been paid in full at which time this right will terminate with respect
to the Preferred Shares, subject to revesting in the event of each and every subsequent default by us in the payment of dividends on the Preferred Shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">There is no limit on the number of nominations and a plurality of eligible voters would determine the election of the Preferred Directors. No person may be elected as a Preferred Director who would cause
us to violate any corporate governance requirements of any securities exchange or other trading facility on which our securities may then be listed or traded that listed or traded companies must have a majority of independent directors. Upon any
termination of the right of the holders of the Preferred Shares and Voting Parity Stock as a class to vote for directors as described above, the Preferred Directors will cease to be qualified as directors, the terms of office of all Preferred
Directors then in office will terminate immediately and the authorized number of directors will be reduced by the number of Preferred Directors which had been elected by the holders of the Preferred Shares and the Voting Parity Stock. Any Preferred
Director may be removed at any time, with or without cause, and any vacancy created by such a removal may be filled, only by the affirmative vote of the holders a majority of the outstanding Preferred Shares voting separately as a class together
with the holders of shares of Voting Parity Stock, to the extent the voting rights of such holders described above are then exercisable. If the office of any Preferred Director becomes vacant for any reason other than removal from office, the
remaining Preferred Director may choose a successor who will hold office for the unexpired term of the office in which the vacancy occurred. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The term &#147;Voting Parity Stock&#148; means with regard to any matter as to which the holders of the Preferred Shares are entitled to vote, any series of Parity Stock (as defined under &#147;&#150;
Dividends-Priority of Dividends&#148; above) upon which voting rights similar to those of the Preferred Shares have been conferred and are exercisable with respect to such matter. Other than the Series A Preferred Stock and Series B Preferred Stock,
which are considered Parity Stock as to each other, we currently have no outstanding class or series of stock constituting Parity Stock. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Although the Company does not believe the Preferred Shares are considered &#147;voting securities&#148; currently, if they were to become &#147;voting securities&#148; for the purposes of the BHCA,
whether because the Company has missed six dividend payments and holders of the Preferred Shares have the right to elect directors as a result, or for other reasons, a holder of 25% of more of the Preferred Shares, or a holder of a lesser percentage
of our </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">18 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
Preferred Shares that is deemed to exercise a &#147;controlling influence&#148; over us, may become subject to regulation under the BHCA. In addition, if the Preferred Shares become &#147;voting
securities&#148;, then (a)&nbsp;any bank holding company or foreign bank that is subject to the BHCA may need approval to acquire or retain more than 5% of the then outstanding Preferred Shares, and (b)&nbsp;any holder (or group of holders acting in
concert) may need regulatory approval to acquire or retain 10% or more of the Preferred Shares. A holder or group of holders may also be deemed to control us if they own one-third or more of our total equity, both voting and non-voting, aggregating
all shares held by the investor across all classes of stock. Holders of the Preferred Shares should consult their own counsel with regard to regulatory implications. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In addition to any other vote or consent required by Virginia law or by our Articles of Incorporation, the vote or consent of the holders of at least 66-2/3% of the outstanding Preferred Shares, voting as
a separate class, is required in order to do the following: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">amend or alter our Articles of Incorporation or the Certificate of Designations for the Preferred Shares to authorize or create or increase the
authorized amount of, or any issuance of, any shares of, or any securities convertible into or exchangeable or exercisable for shares of, any class or series of our capital stock ranking senior to the Preferred Shares with respect to either or both
the payment of dividends and/or the distribution of assets on any liquidation, dissolution or winding up of the Company; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">amend, alter or repeal any provision of our Articles of Incorporation or the Certificate of Designations for the Preferred Shares in a manner that
adversely affects the rights, preferences, privileges or voting powers of the Preferred Shares; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">consummate a binding share exchange or reclassification involving the Preferred Shares or a merger or consolidation of the Company with another entity,
unless (i)&nbsp;the Preferred Shares remain outstanding or, in the case of a merger or consolidation in which the Company is not the surviving or resulting entity, are converted into or exchanged for preference securities of the surviving or
resulting entity or its ultimate parent, and (ii)&nbsp;the Preferred Shares remaining outstanding or such preference securities, have such rights, preferences, privileges, voting powers, limitations and restrictions, taken as a whole, as are not
materially less favorable than the rights, preferences, privileges, voting powers, limitations and restrictions of the Preferred Shares immediately prior to consummation of the transaction, taken as a whole; </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>provided, however</I>, that (1)&nbsp;any increase in the amount of our authorized shares of preferred stock, including authorized Preferred Shares
necessary to satisfy preemptive or similar rights granted by us to other persons prior to March&nbsp;13, 2009, and (2)&nbsp;the creation and issuance, or an increase in the authorized or issued amount, of any other series of preferred stock, or any
securities convertible into or exchangeable or exercisable for any other series of preferred stock, ranking equally with and/or junior to the Preferred Shares with respect to the payment of dividends, whether such dividends are cumulative or
non-cumulative and the distribution of assets upon our liquidation, dissolution or winding up, will not be deemed to adversely affect the rights, preferences, privileges or voting powers of the Preferred Shares and will not require the vote or
consent of the holders of the Preferred Shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">To the extent holders of the Preferred Shares are entitled to vote, holders
of Preferred Shares will be entitled to one vote for each share then held. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The voting provisions described above will not
apply if, at or prior to the time when the vote or consent of the holders of the Preferred Shares would otherwise be required, all outstanding Preferred Shares have been redeemed by us or called for redemption upon proper notice and sufficient funds
have been set aside by us for the benefit of the holders of Preferred Shares to effect the redemption. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">19 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_10"></A>SELLING SHAREHOLDER </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table below sets forth information concerning the resale of the Preferred Shares by Treasury. We will not receive any proceeds from
the sale of any Preferred Shares sold by Treasury. Our operations are regulated by various U.S. governmental authorities, including in certain respects by Treasury. Other than through its role as a regulator and the acquisition of the Preferred
Shares, Treasury has not held any position or office or had any other material relationship with us or any of our predecessors or affiliates within the past three years. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Treasury acquired the Preferred Shares as part of the Troubled Asset Relief Program, which was established pursuant to the Emergency Economic Stabilization Act of 2008 (&#147;EESA&#148;). EESA was enacted
into law on October&nbsp;3, 2008 to restore confidence and stabilize the volatility in the U.S. banking system and to encourage financial institutions to increase their lending to customers and to each other. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following description was provided by Treasury and is derived from the website of Treasury. Treasury is the executive agency of the
United States government responsible for promoting economic prosperity and ensuring the financial security of the United States. Treasury is responsible for a wide range of activities, such as advising the President of the United States on economic
and financial issues, encouraging sustainable economic growth and fostering improved governance in financial institutions. Treasury operates and maintains systems that are critical to the nation&#146;s financial infrastructure, such as the
production of coin and currency, the disbursement of payments to the American public, revenue collection and the borrowing of funds necessary to run the federal government. Treasury works with other federal agencies, foreign governments, and
international financial institutions to encourage global economic growth, raise standards of living and, to the extent possible, predict and prevent economic and financial crises. Treasury also performs a critical and far-reaching role in enhancing
national security by implementing economic sanctions against foreign threats to the United States, identifying and targeting the financial support networks of national security threats and improving the safeguards of our financial systems. In
addition, under the EESA, Treasury was given certain authority and facilities to restore the liquidity and stability of the financial system. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The doctrine of sovereign immunity, as limited by the FTCA, provides that claims may not be brought against the United States of America or any agency or instrumentality thereof unless specifically
permitted by act of Congress. The FTCA bars claims for fraud or misrepresentation. The courts have held, in cases involving federal agencies and instrumentalities, that the United States may assert its sovereign immunity to claims brought under the
federal securities laws. Thus, any attempt to assert a claim against Treasury alleging a violation of the federal securities laws, including the Securities Act and the Exchange Act, resulting from an alleged material misstatement in or material
omission from this prospectus or the registration statement of which this prospectus is a part, or any other act or omission in connection with the offering to which this prospectus relates, likely would be barred. In addition, Treasury and its
members, officers, agents, and employees are exempt from liability for any violation or alleged violation of the anti-fraud provisions of Section&nbsp;10(b) of the Exchange Act by virtue of Section&nbsp;3(c) thereof. The underwriters are not
claiming to be agents of Treasury in this offering. Accordingly, any attempt to assert such a claim against the members, officers, agents or employees of Treasury for a violation of the Securities Act or the Exchange Act resulting from an alleged
material misstatement in or material omission from this prospectus or the registration statement of which this prospectus is a part or resulting from any other act or omission in connection with the offering to which this prospectus relates likely
would be barred. See &#147;Risk Factors &#150; Treasury is a federal agency and your ability to bring a claim against Treasury under the federal securities laws in connection with a purchase of Preferred Shares may be limited.&#148; </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">20 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table below sets forth information with respect to the number of Preferred Shares
beneficially owned by Treasury as of July&nbsp;31, 2012, which constitutes the number of Preferred Shares that may be offered by Treasury from time to time pursuant to this prospectus. The percentages below are calculated based on 14,595 Preferred
Shares issued and outstanding as of July&nbsp;31, 2012. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Beneficial&nbsp;Ownership<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)(2)</SUP></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Name and Address of Beneficial Owner</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Number of<BR>Preferred<BR>Shares<BR>Beneficially<BR>Owned(1)(2)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">United States Department of the Treasury</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1500 Pennsylvania Avenue, N.W. Washington, D.C. 20220</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">In accordance with Rule 13d-3 under the Exchange Act, a person is deemed to be the beneficial owner, for purposes of this table, of any Preferred Shares over which such
person has voting or investment power and of which such person has the right to acquire beneficial ownership within 60 days. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares owned by Treasury includes 13,900 Series A Preferred Shares and 695 Series B Preferred Shares. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">21 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_12"></A>CERTAIN U.S. FEDERAL INCOME TAX CONSEQUENCES </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following discussion summarizes the material U.S. federal income tax consequences applicable to &#147;U.S. holders&#148; and
&#147;non-U.S. holders&#148; (each as defined below) with respect to the purchase, ownership and disposition of the Preferred Shares. This summary is based upon current provisions of the Internal Revenue Code of 1986, as amended from time to time
(the &#147;Code&#148;), Treasury regulations and judicial and administrative authority, all of which are subject to differing interpretations or change, possibly with retroactive effect. This summary is limited to investors who will hold the
Preferred Shares as capital assets and does not discuss all aspects of U.S. federal income taxation that may be important to particular investors in light of their individual circumstances. This discussion does not address the tax consequences to
investors who are subject to special tax rules, such as banks and other financial institutions, insurance companies, governments and governmental entities, broker-dealers, partnerships and their partners, tax-exempt organizations, investors that
will hold the Preferred Shares as part of a straddle, hedge, conversion, constructive sale, or other integrated security transaction for U.S. federal income tax purposes, U.S. expatriates, or U.S. holders that have a functional currency that is not
the U.S. dollar, all of whom may be subject to tax rules that differ significantly from those summarized below. In addition, this summary does not address any alternative minimum tax consequences or any state, local or non-U.S. tax consequences.
Each prospective investor is urged to consult its own tax advisors regarding the U.S. federal, state, local, and non-U.S. income and other tax considerations of the purchase, ownership, and disposition of the Preferred Shares. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For purposes of this summary, you are a &#147;U.S. holder&#148; if you are a beneficial owner of the Preferred Shares and you are for
U.S. federal income tax purposes (i)&nbsp;an individual citizen or resident of the United States, (ii)&nbsp;a corporation created or organized in the United States or under the laws of the United States, any state thereof or the District of
Columbia, (iii)&nbsp;an estate the income of which is subject to U.S. federal income taxation regardless of its source, or (iv)&nbsp;a trust if it (A)&nbsp;is subject to the primary supervision of a court within the United States and one or more
U.S. persons have the authority to control all substantial decisions of the trust, or (B)&nbsp;has a valid election in effect under applicable U.S. Treasury regulations to be treated as a United States person. You are a &#147;non-U.S. holder&#148;
if you are a beneficial owner of the Preferred Shares that is an individual, corporation, estate or trust that is not a U.S. holder. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">If a partnership (including any other entity treated as a partnership for U.S. federal income tax purposes) is a holder of the Preferred Shares, the U.S. federal income tax treatment of a partner in the
partnership will generally depend on the status of the partner and the activities of the partnership. If you are a partnership or a partner of a partnership holding Preferred Shares, you should consult your own tax advisors as to the particular U.S.
federal income tax consequences of the purchase, ownership and disposition of the Preferred Shares. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>U.S. Holders </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Distributions on the Preferred Shares.</I></B> In general, if distributions are made with respect to the Preferred Shares, the
distributions will be treated as dividends to the extent of our current and accumulated earnings and profits as determined for U.S. federal income tax purposes. Any portion of a distribution in excess of our current and accumulated earnings and
profits is treated first as a nontaxable return of capital reducing your tax basis in the Preferred Shares. Any amount in excess of your tax basis is treated as capital gain, the tax treatment of which is discussed below under &#147;Sale or
Redemptions of the Preferred Shares.&#148; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends received by individual holders of the Preferred Shares will generally be
subject to a reduced maximum tax rate of 15% if such dividends are treated as &#147;qualified dividend income&#148; for U.S. federal income tax purposes. The rate reduction does not apply to dividends that are paid to individual stockholders with
respect to Preferred Shares that are held for 60 days or less during the 121-day period beginning on the date which is 60 days before the date on which the Preferred Shares become ex-dividend. Furthermore, the rate reduction does not apply to
dividends received to the extent that an individual holder elects to treat the dividends as &#147;investment income&#148; for purposes of determining the holder&#146;s limit for the deduction of investment interest under Section&nbsp;163(d) of the
Code. The 15% dividend rate is scheduled to expire December&nbsp;31, 2012, at which time the </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">22 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
rate will revert back to ordinary income rates previously in effect and applicable to dividends unless the Code is amended to provide for a different rate. In addition, under the Health Care and
Education Reconciliation Act of 2010, dividends received after December&nbsp;31, 2012 by U.S. holders that are individuals could be subject to the 3.8% tax on net investment income. You should consult your own tax advisors regarding the implications
of these rules in light of your particular circumstances. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends received by corporate holders of the Preferred Shares may
be eligible for a dividends received deduction equal to 70% of the amount of the distribution, subject to applicable limitations, including limitations related to &#147;debt financed portfolio stock&#148; under Section&nbsp;246A of the Code and to
the holding period requirements of Section&nbsp;246 of the Code. In addition, any amount received by a corporate holder that is treated as a dividend may, depending on the circumstances, constitute an &#147;extraordinary dividend&#148; subject to
the provisions of Section&nbsp;1059 of the Code (except as may otherwise be provided in Treasury regulations yet to be promulgated). Under Section&nbsp;1059, a corporate holder that has held shares for two years or less before the dividend
announcement date generally must reduce the tax basis of all of the holder&#146;s shares (but not below zero) by the &#147;non-taxed portion&#148; of any &#147;extraordinary dividend&#148; and, if the non-taxed portion exceeds the holder&#146;s tax
basis for the shares, must treat any excess as gain from the sale or exchange of the shares in the year the payment is received. Individual holders of Preferred Shares that receive any &#147;extraordinary dividends&#148; that are treated as
&#147;qualified dividend income&#148; (as discussed above) will be required to treat any losses on the sale of such Preferred Shares as long-term capital losses to the extent of such dividends. We strongly encourage you to consult your own tax
advisor regarding the extent, if any, to which these provisions may apply to you in light of your particular facts and circumstances. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>Sale or Redemption of the Preferred Shares.</I></B> On the sale or exchange of the Preferred Shares to a party other than us, you generally will realize capital gain or loss in an amount equal to
the difference between (a)&nbsp;the amount of cash and the fair market value of any property you receive on the sale and (b)&nbsp;your tax basis in the Preferred Shares. We strongly encourage you to consult your own tax advisors regarding applicable
rates, holding periods and netting rules for capital gains and losses in light of your particular facts and circumstances. Certain limitations exist on the deduction of capital losses by both corporate and non-corporate taxpayers. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On the redemption of Preferred Shares by us, your surrender of the Preferred Shares for the redemption proceeds will be treated either as
a payment received upon sale or exchange of the Preferred Shares or as a distribution with respect to all of your equity interests in us. Resolution of this issue will turn on the application of Section&nbsp;302 of the Code to your individual facts
and circumstances. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The redemption will be treated as gain or loss from the sale or exchange of Preferred Shares (as discussed
above) if: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the redemption is &#147;substantially disproportionate&#148; with respect to you within the meaning of Section&nbsp;302(b)(2) of the Code;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">your interest in the Preferred Shares and any other equity interest in us is completely terminated (within the meaning of Section&nbsp;302(b)(3) of the
Code) as a result of such redemption; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the redemption is &#147;not essentially equivalent to a dividend&#148; (within the meaning of Section&nbsp;302(b)(1) of the Code). In general,
redemption proceeds are &#147;not essentially equivalent to a dividend&#148; if the redemption results in a &#147;meaningful reduction&#148; of your interest in the issuer. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In determining whether any of these tests has been met, you must take into account not only the Preferred Shares and other equity
interests in us that you actually own, but also shares and other equity interests that you constructively own within the meaning of Section&nbsp;318 of the Code. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">If none of the above tests giving rise to sale or exchange treatment is satisfied, then a payment made in redemption of the Preferred Shares will be treated as a distribution that is subject to the tax
treatment described above under &#147;Distributions on the Preferred Shares.&#148; The amount of the distribution will be equal to the amount </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">23 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
of cash and the fair market value of property you receive without any offset for your tax basis in the Preferred Shares. Your tax basis in the redeemed Preferred Shares should be transferred to
your remaining Preferred Shares. If, however, you have no remaining Preferred Shares, your basis could be lost. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Any
redemption proceeds that are attributable to any declared but unpaid dividends on the Preferred Shares will generally be subject to the rules described above under &#147;U.S. Holders&#151;Distributions on the Preferred Shares.&#148; </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We strongly encourage you to consult your own tax advisor regarding: (a)&nbsp;whether a redemption payment will qualify for sale or
exchange treatment under Section&nbsp;302 of the Code or, alternatively, will be characterized as a distribution; and (b)&nbsp;the resulting tax consequences to you in light of your individual facts and circumstances. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Information Reporting and Backup Withholding.</I></B> Information reporting will generally apply to noncorporate U.S. holders with
respect to payments of dividends on the Preferred Shares and to certain payments of proceeds on the sale or other disposition of the Preferred Shares. Certain noncorporate U.S. holders may be subject to U.S. backup withholding (currently at a rate
of 28%) on payments of dividends on the Preferred Shares and certain payments of proceeds on the sale or other disposition of the Preferred Shares unless the beneficial owner of the Preferred Shares furnishes the payor or its agent with a taxpayer
identification number, certified under penalties of perjury, and certain other information, or otherwise establishes, in the manner prescribed by law, an exemption from backup withholding. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. backup withholding is not an additional tax. Any amounts withheld under the backup withholding rules may be allowed as a credit
against a U.S. holder&#146;s U.S. federal income tax liability, which may entitle the U.S. holder to a refund, provided the U.S. holder timely furnishes the required information to the Internal Revenue Service (the &#147;IRS&#148;). </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Non-U.S. Holders </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Distributions on the Preferred Shares.</I></B> Distributions treated as dividends as described above under &#147;U.S. Holders &#150;
Distributions on the Preferred Shares&#148; paid to a non-U.S. holder of the Preferred Shares will generally be subject to withholding of U.S. federal income tax at a 30% rate or such lower rate as may be specified by an applicable income tax
treaty. However, distributions that are effectively connected with the conduct by the non-U.S. holder of a trade or business within the United States are not subject to the withholding tax, provided certain certification and disclosure requirements
are satisfied. Instead, such distributions are subject to U.S. federal income tax on a net income basis in the same manner as if the non-U.S. holder were a United States person as defined under the Code, unless an applicable income tax treaty
provides otherwise. Any such effectively connected dividends received by a foreign corporation may be subject to an additional &#147;branch profits tax&#148; at a 30% rate or such lower rate as may be specified by an applicable income tax treaty.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For purposes of obtaining a reduced rate of withholding under an income tax treaty or an exemption from withholding for
dividends effectively connected to a U.S. trade or business, a non-U.S. holder will generally be required to provide a U.S. taxpayer identification number as well as certain information concerning the holder&#146;s country of residence and
entitlement to tax benefits. A non-U.S. holder can generally meet the certification requirements by providing a properly executed IRS Form W-8BEN (if the holder is claiming the benefits of an income tax treaty) or Form W-8ECI (if the dividends are
effectively connected with a trade or business in the United States) or suitable substitute form. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Sale or Redemption of
the Preferred Shares.</I></B> A non-U.S. holder generally will not be subject to U.S. federal income or withholding tax on gain realized on the sale, exchange, redemption (except as discussed below) or other disposition of the Preferred Shares
except for (i)&nbsp;certain non-resident alien individuals that are present in the United States for 183 or more days in the taxable year of the sale or disposition, (ii)&nbsp;gain that is effectively
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">24 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
connected with the conduct by the non-U.S. holder of a trade or business within the United States (and, if a tax treaty applies, is attributable to a permanent establishment maintained by the
non-U.S. holder in the United States), (iii)&nbsp;non-U.S. holders that are subject to tax pursuant to certain provisions of U.S. federal income tax law applicable to certain expatriates, and (iv)&nbsp;gain if we are or have been a &#147;United
States real property holding corporation&#148; for U.S. federal income tax purposes. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We would not be treated as a
&#147;United States real property holding corporation&#148; if less than 50% of our assets throughout a prescribed testing period consist of interests in real property located within the United States, excluding, for this purpose, interest in real
property solely in a capacity as a creditor. To the extent that we are or have been a &#147;United States real property holding corporation&#148; for U.S. federal income tax purposes and a non-U.S. holder was not eligible for a treaty exemption, any
gain on the sale of our Preferred Shares would be treated as effectively connected with a trade or business within the United States and the purchaser of the stock could be required to withhold 10% of the purchase price and remit such amount to the
IRS. Gain that is treated as effectively connected with a trade or business within the United States will be subject to U.S. federal income tax on a net income basis in the same manner as if the non-U.S. holder was a United States person as defined
under the Code, unless an applicable income tax treaty provides otherwise. Any such effectively connected income received by a foreign corporation may be subject to an additional &#147;branch profits tax&#148; at a 30% rate or such lower rate as may
be specified by an applicable income tax treaty. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We believe that we are not currently and do not anticipate becoming a
&#147;United States real property holding corporation&#148; for U.S. federal income tax purposes. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A payment made to a
non-U.S. holder in redemption of the Preferred Shares may be treated as a dividend, rather than as a payment in exchange for such stock, in the circumstances discussed above under &#147;U.S. Holders &#150; Sale or Redemption of the Preferred
Shares,&#148; in which event such payment would be subject to tax as discussed above under &#147;&#150;Distributions on the Preferred Shares.&#148; Prospective investors should consult their own tax advisors to determine the proper tax treatment of
any payment received in redemption of the Preferred Shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Information Reporting and Backup Withholding.</I></B>
Information returns will be filed with the IRS reporting payments of dividends on the Preferred Shares and the amount of tax, if any, withheld with respect to those payments. Copies of information returns reporting such dividends and withholding may
also be made available to the tax authorities in the country in which a non-U.S. holder resides under the provisions of an applicable income tax treaty. Unless the non-U.S. holder complies with certification procedures to establish that it is not a
U.S. person, information returns may be filed with the IRS in connection with the proceeds from a sale or other disposition of the Preferred Shares and the non-U.S. holder may be subject to U.S. backup withholding on dividend payments on the
Preferred Shares or on the proceeds from a sale or other disposition of the Preferred Shares. Satisfaction of the certification procedures required to claim a reduced rate of withholding under a treaty described above in the section titled
&#147;Distributions on the Preferred Shares&#148; will satisfy the certification requirements necessary to avoid backup withholding as well. The amount of any backup withholding from a payment to a non-U.S. holder will be allowed as a credit against
such holder&#146;s U.S. federal income tax liability and may entitle such holder to a refund, provided that the required information is timely furnished to the IRS. Non-U.S. holders are urged to consult their own tax advisors regarding the
application of backup withholding in their particular circumstances and the availability of and procedure for obtaining an exemption from backup withholding under current Treasury regulations. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>New Legislation Relating to Foreign Accounts </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Legislation enacted in 2010 may impose withholding taxes on certain types of payments made to &#147;foreign financial institutions&#148; and certain other non-U.S. entities after December&nbsp;31, 2012.
The legislation generally imposes a 30% withholding tax on dividends on or gross proceeds from the sale or other disposition of Preferred Shares paid to a foreign financial institution unless the foreign financial institution enters into an
agreement with the Treasury to among other things, undertake to identify accounts held by certain U.S. persons or U.S.-owned </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">25 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
foreign entities, annually report certain information about such accounts, and withhold 30% on payments to account holders whose actions prevent it from complying with these reporting and other
requirements. In addition, the legislation generally imposes a 30% withholding tax on the same types of payments to a foreign non-financial entity unless the entity certifies that it does not have any substantial U.S. owners or furnishes identifying
information regarding each substantial U.S. owner. Under recently issued IRS guidance, these rules generally would apply to payments of dividends on the Preferred Shares made after December&nbsp;31, 2013, and payments of gross proceeds from a
disposition of the Preferred Shares made after December&nbsp;31, 2014. Prospective investors should consult their tax advisors regarding this legislation. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">26 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_11"></A>PLAN OF DISTRIBUTION </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are registering the Preferred Shares for Treasury. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We will pay the costs and fees of registering the Preferred Shares and other expenses related to the registration of the Preferred Shares. However, Treasury will pay any underwriting discounts or
commissions or other amounts payable to underwriters, dealers or agents, or any transfer taxes or other expenses associated with the sale of the securities, on behalf of Treasury. We have agreed to provide certain indemnification to Treasury against
certain liabilities, including certain liabilities under the Securities Act, in connection with this offering. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury will
act independently of the Company in making decisions with respect to the timing, manner and size of each sale of the Preferred Shares. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares may be sold from time to time by Treasury as described in and subject to any restrictions in the applicable prospectus supplement from time to time in any of the following ways:
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">on any national securities exchange or quotation service on which the Preferred Shares may be listed or quoted at the time;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">in the over-the-counter market; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">in transactions otherwise than on these exchanges or in the over-the-counter market or in any combination of such transactions;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">through the writing of options, whether the options are listed on an options exchange or otherwise; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">through ordinary brokerage transactions and transactions in which the broker-dealer solicits purchasers; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">through block trades in which the broker-dealer will attempt to sell the shares as agent but may position and resell a portion of the block as
principal to facilitate the transaction; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">through purchases by a broker-dealer as principal and resale by the broker-dealer for its account; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">in privately negotiated transactions; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">in short sales; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">through transactions in which broker-dealers may agree with Treasury to sell a specified number of such shares at a stipulated price per share obtained
in the open market or through auctions; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">through a combination of any such methods of sale; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">any other method permitted pursuant to applicable law. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">If Treasury uses underwriters in the sale of some or all of the securities covered by this prospectus, the underwriters will acquire the securities for their own account. The obligations of the
underwriters to purchase the securities will be subject to certain conditions. Unless indicated otherwise, the underwriters will be obligated to purchase all the securities of the series offered if any of the securities are purchased. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unless otherwise indicated, when securities are sold through an agent, the designate agent will agree, for the period of its appointment
as agent, to use its best efforts to sell the securities for the account of Treasury and will receive commissions from Treasury. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Broker-dealers, agents or underwriters may receive compensation in the form of discounts, concessions or commissions from Treasury and/or the purchasers of securities for whom such broker-dealers, agents
or underwriters may act as agents or to whom they sell as principal, or both (this compensation to a particular broker-dealer might be in excess of customer commissions). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Treasury may also sell offered securities directly. In this case, no underwriters or agents would be involved. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">27 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The securities may be sold from time to time in one or more transactions, and in any
combination of transactions: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">at fixed prices, which may be changed; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">at market prices prevailing at the time of the sale; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">at varying prices determined at the time of sale; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">at negotiated prices. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Any securities covered by this prospectus which qualify for sale pursuant to Rule 144 or Rule 144A promulgated under the Securities Act may also be sold under Rule 144 or Rule 144A in certain instances,
rather than pursuant to this prospectus. In addition to selling the securities under this prospectus, Treasury may transfer the securities in other ways not involving market makers or established trading markets, including directly by gift,
distribution, or other transfer. Treasury may also transfer the shares by other means not described in this prospectus. Moreover, Treasury may decide not to sell any securities offered hereby. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition, in connection with the sale of the securities or otherwise, Treasury may enter into derivative or hedging transactions with
third parties, or sell securities not covered by this prospectus to third parties in privately negotiated transactions, which may in turn engage in short sales of the common stock issuable upon exercise of the Warrant in the course of hedging the
positions they assume. Treasury may also sell short the common stock issuable upon exercise of the Warrant and deliver common stock to close out short positions, or loan or pledge the Preferred Shares or the common stock issuable upon exercise of
the Warrant to broker-dealers that in turn may sell these securities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with resales of the securities or
otherwise, Treasury may enter into hedging transactions with broker-dealers, which may in turn engage in short sales of the securities and deliver securities to close out such short positions, or loan or pledge common stock to broker-dealers that in
turn may sell such securities. Such transactions may be effected by Treasury at market prices prevailing at the time of sale, at prices related to such prevailing market prices, at negotiated prices or at fixed prices. Treasury may effect such
transactions by selling the securities to or through broker-dealers and such broker-dealers may receive compensation in the form of discounts or commissions from Treasury and may receive commissions from the purchasers of the securities for whom
they may act as agent (which discounts or commissions from Treasury or such purchasers will not exceed those customary in the type of transactions involved). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In offering the securities covered by this prospectus, Treasury and any broker-dealers who execute sales for Treasury may be deemed to be &#147;underwriters&#148; within the meaning of
Section&nbsp;2(a)(11) of the Securities Act in connection with such sales. Any profits realized by Treasury and the commission, discounts and any other compensation of any broker-dealer or any profits in resales of the securities by broker-dealers
may be deemed to be underwriting discounts and commissions under the Securities Act. Persons who are &#147;underwriters&#148; within the meaning of Section&nbsp;2(a)(11) of the Securities Act will be subject to the prospectus delivery requirements
of the Securities Act and may be subject to certain statutory and regulatory liabilities, including liabilities imposed pursuant to Sections 11, 12 and 17 of the Securities Act and Rule 10b-5 under the Exchange Act. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Treasury and any underwriters and distribution participants will be subject to applicable provisions of the Exchange Act and the
associated rules and regulations under the Exchange Act, including Regulation M, which provisions may limit the timing of purchases and sales of shares by Treasury. Furthermore, under Regulation M, persons engaged in a distribution of securities are
prohibited from simultaneously engaging in market making and certain other activities with respect to such securities for a specified period of time prior to the commencement of such distributions, subject to special exceptions or exemptions. In
addition, the anti-manipulation rules under the Exchange Act may apply to sales of the securities in the market. All of these limitations may affect the marketability of the securities and the ability of any person to engage in market-making
activities with respect to the securities. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">28 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Underwriters and others who are deemed to be underwriters under the Securities Act may
engage in transactions that stabilize, maintain or otherwise affect the price of the common stock, including the entry of stabilizing bids or syndicate covering transactions or the imposition of penalty bids. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We will file a supplement to this prospectus, if required, pursuant to Rule 424(b) under the Securities Act, upon being notified by
Treasury that a material arrangement has been entered into with a broker, dealer, agent or underwriter for the sale of securities through a block trade, special offering, exchange distribution or secondary distribution or a purchase by a broker or
dealer. Such prospectus supplement will disclose: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the name of the selling securityholders and any participating broker, dealer, agent or underwriter; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the number and type of securities involved; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the price at which such securities were sold; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">any securities exchanges on which such securities may be listed; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the commissions paid or discounts or concessions allowed to any such broker, dealer, agent or underwriter where applicable; and
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">other facts material to the transaction. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In order to comply with the securities laws of certain states, if applicable, the securities must be sold in such jurisdictions only through registered or licensed brokers or dealers. In addition, in
certain states, the securities may not be sold unless they have been registered or qualified for sale in the applicable state or an exemption from the registration or qualification requirement is available and is complied with. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Preferred Shares are not listed on a national securities exchange or any securities market. We do not intend to list the Preferred
Shares on any exchange. No assurance can be given as to the liquidity of the trading market, if any, for the Preferred Shares. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">29 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_13"></A>EXPERTS </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our consolidated financial statements as of December&nbsp;31, 2011 and 2010 and for each of the years in the three-year period ended
December&nbsp;31, 2011, have been incorporated by reference in this prospectus in reliance upon the report of Yount, Hyde&nbsp;&amp; Barbour, P.C., registered independent public accountants, incorporated by reference herein and upon the authority of
said firm as experts in accounting and auditing. </FONT></P> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc388224_14"></A>LEGAL MATTERS </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The validity of the Preferred Shares offered by this prospectus and certain other legal matters will be passed upon for us by the law
firm of Williams Mullen, Richmond, Virginia. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 </FONT></P>



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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>PART II </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>INFORMATION NOT REQUIRED IN PROSPECTUS </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;13.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Other Expenses of Issuance and Distribution </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following is a summary of the fees and expenses, other than underwriting discounts and commissions, to be incurred by the Registrant in connection with the issuance and distribution of the securities
registered under this registration statement. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="85%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities and Exchange Commission Registration Fee</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;1,673</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">*&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accounting Fees and Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Legal Fees and Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Printing Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Transfer Agent Fees and Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Miscellaneous Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*Represents</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">actual expenses.&nbsp;All other expenses are estimates. </FONT></TD></TR></TABLE> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;14.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Indemnification of Directors and Officers </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Article 10 of Chapter 9 of Title 13.1 of the Code of Virginia, as amended (the &#147;Code&#148;), permits a Virginia corporation to indemnify any director or officer for reasonable expenses incurred in
any legal proceeding in advance of final disposition of the proceeding, if the director or officer furnishes the corporation a written statement of his or her good faith belief that he or she has met the standard of conduct prescribed by the Code
and furnishes the corporation with a written undertaking to repay any funds advanced if it is ultimately determined that the director has not met the relevant standard of conduct. In addition, a corporation is permitted to indemnify a director or
officer against liability incurred in a proceeding if a determination has been made by the disinterested members of the board of directors, special legal counsel or shareholders that the director or officer conducted himself or herself in good faith
and otherwise met the required standard of conduct. In a proceeding by or in the right of the corporation, no indemnification shall be made in respect of any matter as to which a director or officer is adjudged to be liable to the corporation,
except for reasonable expenses incurred in connection with the proceeding if it is determined that the director or officer has met the relevant standard of conduct. In any other proceeding, no indemnification shall be made if the director or officer
is adjudged liable to the corporation on the basis that he or she improperly received a personal benefit. Corporations are given the power to make any other or further indemnity, including advance of expenses, to any director or officer that may be
authorized by the articles of incorporation or any bylaw made by the shareholders, or any resolution adopted, before or after the event, by the shareholders, except an indemnity against willful misconduct or a knowing violation of the criminal law.
Unless limited by its articles of incorporation, indemnification against the reasonable expenses incurred by a director or officer is mandatory when he or she entirely prevails in the defense of any proceeding to which he or she is a party because
he or she is or was a director or officer. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Registrant is a Virginia corporation. The Registrant&#146;s Restated Amended
and Restated Articles of Incorporation contain provisions indemnifying the directors and officers of the Registrant to the extent not prohibited by Virginia law. In addition, the Articles of Incorporation of the Registrant eliminate the personal
liability of the Registrant&#146;s directors and officers to the Registrant or its shareholders for monetary damages in excess of $1.00. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;15.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Recent Sales of Unregistered Securities </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">On May&nbsp;7, 2012, the Registrant sold an aggregate of up to 425,000 shares of its common stock pursuant to Standby Purchase Agreements with certain accredited investors (the &#147;Standby
Purchasers&#148;) at a price of $4.00 per share, or an aggregate of up to $1.7 million. The Standby Purchasers consist of eight individual purchasers, </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">II-1
</FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
none of whom purchased more than 125,000 shares of the Registrant&#146;s common stock. The Standby Purchasers agreed to purchase certain of the shares of common stock not subscribed for pursuant
to the exercise of basic subscription rights and over-subscription privileges in the rights offering conducted by the Registrant. The sale of 425,000 shares of common stock to the Standby Purchasers was completed on June&nbsp;29, 2012. The shares
were offered and sold in compliance with the exemption from registration pursuant to Section&nbsp;4(2)&nbsp;of the Securities Act and Rule&nbsp;506 of Regulation D, as promulgated by the SEC. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">II-2
</FONT></P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;16.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibits. </B></FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD WIDTH="88%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:37pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">Exhibit&nbsp;No.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000;width:37pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">Description</FONT></P></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">3.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Articles of Incorporation, as amended and restated on March 3, 2009 (incorporated herein by reference to Exhibit 3.1 to the Company&#146;s Form 10-K for the
year ended December 31, 2008).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">3.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Articles and Amendment to the Articles of Incorporation (incorporated herein by reference to Exhibit 3.1 to the Company&#146;s Current Report on Form 8-K filed with the SEC on March
17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">3.3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bylaws, as restated in electronic format only as of April 11, 2012 (incorporated herein by reference to Exhibit 3.2 to the Company&#146;s Current Report on Form 8-K filed with the
SEC on April 13, 2012).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">4.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Certificate for Fixed Rate Cumulative Perpetual Preferred Stock, Series A (incorporated herein by reference to Exhibit 4.1 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">4.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Certificate for Fixed Rate Cumulative Perpetual Preferred Stock, Series A (incorporated herein by reference to Exhibit 4.3 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">5.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Opinion of Williams Mullen*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Letter Agreement, dated as of March 13, 2009, by and between the Company and the United States Department of the Treasury (incorporated herein by reference to Exhibit 10.1 to the
Company&#146;s Current Report on Form 8-K filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Side Letter Agreement, dated as of March 13, 2009, by and between the Company and the United States Department of the Treasury (incorporated herein by reference to Exhibit 10.2 to
the Company&#146;s Current Report on Form 8-K filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Waiver agreement between the Senior Executive Officers and the Company (incorporated herein by reference to Exhibit 10.3 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Consent agreement between the Senior Executive Officers and the Company (incorporated herein by reference to Exhibit 10.4 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.5</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement, dated as of June 1, 2007, between the Company and Dennis A. Dysart (incorporated by reference to Exhibit 10.1 to the Company&#146;s Form
10-Q for the quarter ended September 30, 2007).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement, dated as of June 1, 2007, between the Company and M. Shane Bell (incorporated by reference to Exhibit 10.2 to the Company&#146;s Form 10-Q
for the quarter ended June 30, 2007).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.7</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amendment to Employment Agreement between the Company and Dennis A. Dysart and M. Shane Bell (incorporated by reference to Exhibit 10.6 to the Company&#146;s Form 10-K for the year
ended December 31, 2008).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.8</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement, dated as of June 1, 2007, between the Company and Marshall J. Beverley, Jr. (incorporated by reference to Exhibit 10.3 to the
Company&#146;s Form 10-Q for the quarter ended June 30, 2007).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.9</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amendment to Employment Agreement between the Company and Marshall J. Beverley, Jr. (incorporated by reference to Exhibit 10.7 to the Company&#146;s Form 10-K for the year ended
December 31, 2008).</FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">II-3
</FONT></P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="91%"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>

<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employment Agreement between the Company and Scott C. Harvard (incorporated by reference to Exhibit 10.1 to the Company&#146;s Current Report on Form 8-K filed with the SEC on May
9, 2011).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">12.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Computation of Ratio of Earnings to Combined Fixed Charges and Preference Dividends for the three months ended March 31, 2012 and 2011 and the years ended December&nbsp;31, 2011,
2010, 2009, 2008 and 2007.*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">21.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Subsidiaries of the Company (incorporated by reference to Exhibit 21.1 to the Company&#146;s Annual Report on Form 10-K filed with the SEC on March 28, 2012).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">23.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consent of Yount, Hyde &amp; Barbour, P.C.*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">23.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consent of Williams Mullen (included in Exhibit 5.1).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">24.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Power of Attorney (included on the signature page hereto).*</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*Filed</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">herewith </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">**</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">To be filed by amendment </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">II-4
</FONT></P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Item&nbsp;17.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Undertakings </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The undersigned Registrant
hereby undertakes: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)&nbsp;To file, during any period in which offers or sales are being made, a post-effective amendment to this
registration statement: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(i)&nbsp;To include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act of 1933;
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(ii)&nbsp;To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or
the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume
of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed
with the Commission pursuant to Rule&nbsp;424(b) if, in the aggregate, the changes in volume and price represent no more than a 20&nbsp;percent change in the maximum aggregate offering price set forth in the &#147;Calculation of Registration
Fee&#148; table in the effective registration statement; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(iii)&nbsp;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></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(2)&nbsp;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 bona fide offering thereof. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;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></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4) That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser: </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(i) each prospectus filed by the registrant pursuant to Rule 424(b)(3) shall be deemed to be part of the registration statement as of the
date the filed prospectus was deemed part of and included in the registration statement; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(ii) each prospectus required to
be filed pursuant to Rule 424(b)(2), (b)(5), or (b)(7) as part of a registration statement in reliance on Rule 430B relating to an offering made pursuant to Rule 415(a)(1(I, (vii), or (x)&nbsp;for the purpose of providing the information required by
section 10(a) of the Securities Act of 1933 shall be deemed to ne part of and included in the registration statement as of the earlier of the date such form of prospectus is first used after effectiveness or the date of the first contract of sale of
securities in the offering described in the prospectus. As provided in Rule 430B, for liability purposes of the issuer and any person that is at that date an underwriter, such date shall be deemed to be a new effective date of the registration
statement relating to the securities in the registration statement to which that prospectus relates, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof; provided, however, that no statement
made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement
will, as to a purchaser with a time of contract of sale prior to such effective date, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such
document immediately prior to such effective date. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5) That, for the purpose of determining liability of the registrant under the Securities
Act of 1933 to any purchaser in the initial distribution of the securities: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The undersigned registrant undertakes that in a
primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">II-5
</FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be
considered to offer or sell such securities to such purchaser: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(i) Any preliminary prospectus or prospectus of the undersigned
registrant relating to the offering required to be filed pursuant to Rule&nbsp;424; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(ii) Any free writing prospectus relating
to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant; </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(iii) The portion of any other free writing prospectus relating to the offering containing material information about the undersigned
registrant or its securities provided by or on behalf of the undersigned registrant; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(iv) Any other communication that is
an offer in the offering made by the undersigned registrant to the purchaser. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6)&nbsp;Insofar as indemnification for liabilities arising
under the Securities Act of 1933&nbsp;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 Act, and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses
incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being
registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as
expressed in the Act and will be governed by the final adjudication of such issue. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">II-6
</FONT></P>


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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SIGNATURES </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">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
Shenandoah County, Commonwealth of Virginia, on July 31, 2012. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FIRST NATIONAL CORPORATION</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>By:</B>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;S<SMALL>COTT</SMALL> C.
H<SMALL>ARVARD</SMALL></FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Scott C. Harvard</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">President&nbsp;and&nbsp;Chief&nbsp;Executive Officer</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Each of the undersigned hereby appoints each of Scott C. Harvard, Dennis A. Dysart and M. Shane
Bell as attorney-in-fact and agent for the undersigned, with full power of substitution, for and in the name, place and stead of the undersigned, to sign and file with the Securities and Exchange Commission under the Securities Act of 1933, as
amended, any and all amendments (including post-effective amendments) to this registration statement and any and all applications, instruments and other documents to be filed with the Securities and Exchange Commission pertaining to the registration
of securities covered hereby, with full power and authority to do and perform any and all acts and things as may be necessary or desirable in furtherance of such registration. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Pursuant to the requirements of the Securities Act of 1933, as amended, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="18%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:30pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Signature</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:15pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Title</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:15pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Date</FONT></P></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;S<SMALL>COTT</SMALL> C. H<SMALL>ARVARD</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Scott C. Harvard</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">President&nbsp;&amp;&nbsp;Chief&nbsp;Executive&nbsp;Officer</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(principal executive officer)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;M. S<SMALL>HANE</SMALL> B<SMALL>ELL</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">M. Shane Bell</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Executive Vice President &amp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Chief Financial Officer</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(principal&nbsp;financial&nbsp;and&nbsp;accounting&nbsp;officer)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;D<SMALL>OUGLAS</SMALL> C. A<SMALL>RTHUR</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Douglas C. Arthur</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chairman of the Board of Directors</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;J<SMALL>OHN</SMALL> K. M<SMALL>ARLOW</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">John K. Marlow</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vice&nbsp;Chairman&nbsp;of&nbsp;the&nbsp;Board&nbsp;of&nbsp;Directors</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;B<SMALL>YRON</SMALL> A. B<SMALL>RILL</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Byron A. Brill</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;E<SMALL>LIZABETH</SMALL> H. C<SMALL>OTTRELL</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Elizabeth H. Cottrell</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;D<SMALL>R</SMALL>. J<SMALL>AMES</SMALL> A.
D<SMALL>AVIS</SMALL></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dr. James A. Davis</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;C<SMALL>HRISTOPHER</SMALL> E. F<SMALL>RENCH</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Christopher E. French</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;W. A<SMALL>LLEN</SMALL> N<SMALL>ICHOLLS</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">W. Allen Nicholls</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="middle" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;H<SMALL>ENRY</SMALL> L. S<SMALL>HIRKEY</SMALL></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Henry L. Shirkey</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;G<SMALL>ERALD</SMALL> F. S<SMALL>MITH</SMALL>,
J<SMALL>R</SMALL>.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gerald F. Smith, Jr.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/<SMALL>S</SMALL>/&nbsp;&nbsp;&nbsp;&nbsp;J<SMALL>AMES</SMALL> R. W<SMALL>ILKINS</SMALL>, III</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">James R. Wilkins, III</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="middle" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 31, 2012</FONT></P></TD></TR>
</TABLE>

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

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBIT INDEX </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD WIDTH="88%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:37pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">Exhibit&nbsp;No.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000;width:37pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">Description</FONT></P></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">3.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Articles of Incorporation, as amended and restated on March 3, 2009 (incorporated herein by reference to Exhibit 3.1 to the Company&#146;s Form 10-K for the
year ended December 31, 2008).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">3.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Articles and Amendment to the Articles of Incorporation (incorporated herein by reference to Exhibit 3.1 to the Company&#146;s Current Report on Form 8-K filed with the SEC on March
17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">3.3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bylaws, as restated in electronic format only as of April 11, 2012 (incorporated herein by reference to Exhibit 3.2 to the Company&#146;s Current Report on Form 8-K filed with the
SEC on April 13, 2012).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">4.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Certificate for Fixed Rate Cumulative Perpetual Preferred Stock, Series A (incorporated herein by reference to Exhibit 4.1 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">4.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Certificate for Fixed Rate Cumulative Perpetual Preferred Stock, Series A (incorporated herein by reference to Exhibit 4.3 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">5.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Opinion of Williams Mullen*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Letter Agreement, dated as of March 13, 2009, by and between the Company and the United States Department of the Treasury (incorporated herein by reference to Exhibit 10.1 to the
Company&#146;s Current Report on Form 8-K filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Side Letter Agreement, dated as of March 13, 2009, by and between the Company and the United States Department of the Treasury (incorporated herein by reference to Exhibit 10.2 to
the Company&#146;s Current Report on Form 8-K filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Waiver agreement between the Senior Executive Officers and the Company (incorporated herein by reference to Exhibit 10.3 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Form of Consent agreement between the Senior Executive Officers and the Company (incorporated herein by reference to Exhibit 10.4 to the Company&#146;s Current Report on Form 8-K
filed with the SEC on March 17, 2009).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.5</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement, dated as of June 1, 2007, between the Company and Dennis A. Dysart (incorporated by reference to Exhibit 10.1 to the Company&#146;s Form
10-Q for the quarter ended September 30, 2007).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement, dated as of June 1, 2007, between the Company and M. Shane Bell (incorporated by reference to Exhibit 10.2 to the Company&#146;s Form 10-Q
for the quarter ended June 30, 2007).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.7</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amendment to Employment Agreement between the Company and Dennis A. Dysart and M. Shane Bell (incorporated by reference to Exhibit 10.6 to the Company&#146;s Form 10-K for the year
ended December 31, 2008).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.8</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement, dated as of June 1, 2007, between the Company and Marshall J. Beverley, Jr. (incorporated by reference to Exhibit 10.3 to the
Company&#146;s Form 10-Q for the quarter ended June 30, 2007).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.9</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amendment to Employment Agreement between the Company and Marshall J. Beverley, Jr. (incorporated by reference to Exhibit 10.7 to the Company&#146;s Form 10-K for the year ended
December 31, 2008).</FONT></TD></TR>
</TABLE>

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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="91%"></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">10.10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employment Agreement between the Company and Scott C. Harvard (incorporated by reference to Exhibit 10.1 to the Company&#146;s Current Report on Form 8-K filed with the SEC on
May&nbsp;9, 2011).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">12.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Computation of Ratio of Earnings to Combined Fixed Charges and Preference Dividends for the three months ended March 31, 2012 and 2011 and the years ended December&nbsp;31, 2011,
2010, 2009, 2008 and 2007.*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">21.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Subsidiaries of the Company (incorporated by reference to Exhibit 21.1 to the Company&#146;s Annual Report on Form 10-K filed with the SEC on March 28, 2012).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">23.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consent of Yount, Hyde &amp; Barbour, P.C.*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">23.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consent of Williams Mullen (included in Exhibit 5.1).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">24.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Power of Attorney (included on the signature page hereto).*</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*Filed</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">herewith </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">**</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">To be filed by amendment </FONT></TD></TR></TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>d388224dex51.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 5.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 5.1 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g388224g02o99.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">July&nbsp;31, 2012 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Board of Directors </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">First National Corporation </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">112 West King Street </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Strasburg, Virginia 22657
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Re:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Registration Statement on Form S-1 </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ladies and Gentlemen: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have
acted as counsel to First National Corporation, a Virginia corporation (the &#147;Company&#148;), in connection with the preparation and filing of a Registration Statement on Form S-1 (the &#147;Registration Statement&#148;) by the Company with the
Securities and Exchange Commission (the &#147;Commission&#148;) under the Securities Act of 1933, as amended (the &#147;Securities Act&#148;). The Registration Statement relates to the potential resale from time to time by the selling shareholder as
identified in the Registration Statement (the &#147;Selling Shareholder&#148;) of some or all of the 13,900 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series A and 695 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series
B (together, the &#147;Shares&#148;) of the Company. The Shares were issued to the Selling Shareholder on March&nbsp;13, 2009 as part of the United States Department of the Treasury&#146;s Capital Purchase Program in a private placement exempt from
the registration requirements of the Securities Act of 1933, as amended (the &#147;Securities Act&#148;). This opinion is being furnished in accordance with the requirements of Item&nbsp;601(b)(5) of Regulation S-K under the Securities Act.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As counsel to the Company, we have participated in the preparation of the Registration Statement. We have examined such
corporate proceedings, records and documents as we considered necessary for the purposes of this opinion. We have assumed that (i)&nbsp;the signatures on all documents examined by us are genuine, (ii)&nbsp;all documents submitted to us as originals
are authentic, (iii)&nbsp;all documents submitted to us as certified or photostatic copies conform to the originals thereof, (iv)&nbsp;the Registration Statement and any amendments thereto will have become effective (and will remain effective at the
time of the offer and sale of the securities thereunder) and (v)&nbsp;any applicable prospectus or prospectus supplement describing such securities will be filed with the Commission to the extent required by applicable law and relevant rules and
regulations of the Commission. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On the basis of the foregoing, and subject to the qualifications and limitations set forth
herein, we are of the opinion that the Shares have been duly authorized by the Company and are validly issued, fully paid and non-assessable. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g388224g42w99.jpg" ALT="LOGO">
 </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July&nbsp;31, 2012 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Page 2 </FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The opinions set forth above are limited in all respects to the application of the law
of the Commonwealth of Virginia and applicable federal law, in each case as in effect on the date hereof. Our opinion is expressed as of the date hereof, and we do not assume any obligation to update or supplement our opinion to reflect any fact or
circumstance subsequently arising or any change in law subsequently occurring after such date. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We hereby consent to the
filing of this opinion as an exhibit to the Registration Statement and to the reference to our firm under the caption &#147;Legal Matters&#148; in the prospectus that forms a part of the Registration Statement. In giving such consent, we do not
hereby admit that we are in the category of persons whose consent is required under Section&nbsp;7 of the Securities Act or the rules and regulations of the Commission. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:54%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;Williams Mullen </FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12.1
<SEQUENCE>3
<FILENAME>d388224dex121.htm
<DESCRIPTION>EXHIBIT 12.1
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 12.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibit 12.1 </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Computation of Ratio of Earnings (Losses) to Fixed Charges </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="55%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Three<BR>months<BR>ended<BR>March&nbsp;31,</B></FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>2012</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Three<BR>months<BR>ended<BR>March&nbsp;31,</B></FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Twelve months ended December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:83pt"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(In thousands of dollars)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Earnings (losses)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pre-tax income (loss)&#151;continuing operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">690</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,904</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,063</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,488</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fixed charges (from below)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,790</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,966</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,009</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization of capitalized interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest capitalized</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred dividends (divided by 1&#151;effective tax rate)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total earnings (losses)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,820</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,955</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,995</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,862</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,892</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,303</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14,049</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total earnings (losses) excluding interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">834</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6,512</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,563</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Fixed Charges</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expensed and capitalized</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,814</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,084</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,426</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortized capitalized expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred dividends (divided by 1&#151;effective tax rate)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total fixed charges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,790</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,966</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,009</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,303</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14,049</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total fixed charges excluding interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">487</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,759</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,063</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,379</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Ratio of Earnings (Losses) to Fixed Charges and Preferred Dividends:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Including interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-0.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Excluding interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-3.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-2.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>4
<FILENAME>d388224dex231.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 23.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 23.1 </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:12px;margin-bottom:0px">


<IMG SRC="g388224g14l81.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consent of Independent Registered Public Accounting Firm </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">We consent to the incorporation by reference in this Registration Statement on Form S-1 of First National Corporation of our report dated March&nbsp;28,
2012, relating to our audit of the consolidated financial statements, which appears in the Annual Report on Form 10-K of First National Corporation for the year ended December&nbsp;31, 2011. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We also consent to the reference to our firm under the caption &#147;Experts&#148; in the Prospectus, which is part of this Registration Statement. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;YOUNT, HYDE&nbsp;&amp; BARBOUR, P.C. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester, Virginia </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">July&nbsp;31, 2012
</FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>g388224g02o99.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g388224g02o99.jpg
M_]C_X0`817AI9@``24DJ``@``````````````/_L`!%$=6-K>0`!``0```!D
M``#_X01`:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+P`\/WAP86-K970@
M8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.5&-Z:V,Y9"(_/B`\
M>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O(B!X.GAM<'1K/2)!
M9&]B92!835`@0V]R92`U+C`M8S`V,2`V-"XQ-#`Y-#DL(#(P,3`O,3(O,#<M
M,3`Z-3<Z,#$@("`@("`@("(^(#QR9&8Z4D1&('AM;&YS.G)D9CTB:'1T<#HO
M+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS(R(^(#QR9&8Z
M1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.GAM<$U-/2)H='1P.B\O
M;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=%)E9CTB:'1T<#HO
M+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E4F5F(R(@>&UL
M;G,Z>&UP/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SID
M8STB:'1T<#HO+W!U<FPN;W)G+V1C+V5L96UE;G1S+S$N,2\B('AM<$U-.D1O
M8W5M96YT240](GAM<"YD:60Z0C)$1$-#-#)$04(Q,3%%,3DQ,D0X-D4R,S8R
M,T$V-D(B('AM<$U-.DEN<W1A;F-E240](GAM<"YI:60Z0C)$1$-#-#%$04(Q
M,3%%,3DQ,D0X-D4R,S8R,T$V-D(B('AM<#I#<F5A=&]R5&]O;#TB4%-C<FEP
M=#4N9&QL(%9E<G-I;VX@-2XR+C(B/B`\>&UP34TZ1&5R:79E9$9R;VT@<W12
M968Z:6YS=&%N8V5)1#TB=75I9#HR9C(Q,&4R9"TX,C$R+31A,6$M86-D82TQ
M,&$X93@W,C<Y-30B('-T4F5F.F1O8W5M96YT240](G5U:60Z8C,S869B.68M
M-&,Q-"TT93AE+3@X,64M8SAD,30Q-3(W,S(P(B\^(#QD8SIC<F5A=&]R/B`\
M<F1F.E-E<3X@/')D9CIL:3YM=&UA;G-O;W(\+W)D9CIL:3X@/"]R9&8Z4V5Q
M/B`\+V1C.F-R96%T;W(^(#QD8SIT:71L93X@/')D9CI!;'0^(#QR9&8Z;&D@
M>&UL.FQA;F<](G@M9&5F875L="(^36EC<F]S;V9T(%=O<F0@+2!&:7)S="!.
M871I;VYA;"`M($]P:6YI;VX@9F]R(%1!4E`@4')E9F5R<F5D($%U8W1I;VX@
M4RTQ+F1O8SPO<F1F.FQI/B`\+W)D9CI!;'0^(#PO9&,Z=&ET;&4^(#PO<F1F
M.D1E<V-R:7!T:6]N/B`\+W)D9CI21$8^(#PO>#IX;7!M971A/B`\/WAP86-K
M970@96YD/2)R(C\^_^T`2%!H;W1O<VAO<"`S+C``.$))300$```````/'`%:
M``,;)4<<`@```@`"`#A"24T$)0``````$/SA'XG(M\EX+S1B-`=8=^O_[@`.
M061O8F4`9,`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0(!
M`0("`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P/_P``1"`!C`,`#`1$``A$!`Q$!_\0`C``!``("`@,!````
M``````````@)!`L""@,&!P4!`0`````````````````````0```#!@0$`0<'
M"`<)`0````,$!0`!`@8'"!,4%0D2%A<8$2$C)"6W&0HB,S0F)W<Y,5%RLK-T
M>3I!<3)#-;@:88%"DD1%=38X*A$!`````````````````````/_:``P#`0`"
M$0,1`#\`[_#`8#`8#`8#`8#`8#!!C<#W%+7MM&@ZI7JYV=P4!*XC*=(\D)3R
MQ^H=59K"+XX$I4_EL0P7&5E&)T4$1DQ'$$03@(L<V."%\I@HIV'-V*ZW<SOD
MW#5VXQ"/42IM2:F5#XJ16YG2QM))TIEV9UJ>U<5=F@=8(I:HO3M-2$`1-'U4
MV$"%&`X.$J"7*N@#8(3[UWQ,"]`HKUKVUVH*BXBH$[2I(%PM\,KIXRE)TG*<
MSJPY0M3NC$QP%S2)&OK@*2>"?,@L>''"6,.1X1H@WGP`[Q9'Z$3\7O>_*E_%
M\3WQ1/\`-0>5\43WQ1/?^=_E>P93`8#`8#`8#`8#`8#`8#`8#`8#`8#!`+="
MOE*[<%C-=;Q!Y#,U--4I29?#1)(`50D0!;F6<YM0I&EN!55A`C$9!")K4Q@&
M#\8(0IC*!"."@B$?"Y@HSVU]I&K=[%3Y#W=MYF:D>OE;)X0Y=J%;':^`\)1H
M/;Q(*Z7+S1(PYF6'CGT%3602)TN<*)+GF2I(=[C:B,H*L40A0*;5"S*]+<&W
MTMY.U"WFN@UNUMU1*I4S,WQU%2(RW.2A2I$2H^5J>2H`&("M*1F=#YU0"&*!
MC%4T8$OZQ$$+P.*&@L'^(8L>MKV^MF"W2WJUZGI&1)$1;\;>S2H<B?`>FV>I
MDBD^J@!^<Y_F6($([,\U*F$[$'%="$"&Z$`L&`6#"!@#NE$?H1/]U+_LH&#*
M8#`8#`8#`8#`8#`8#`8#`8#`8#`8.OM\4=^"'>!^]T*_S`4Q8)'T-O\`;;K<
M*;;3EI]4IAF%,K-=_;11Q*HBCIDI+2TD+1R6*3R#`KPK*^0`$3I>@!B5`>&(
MS%"Z-T3WN_(]@HLM*6EB6]SSXKN89>55%"7T&BA9:0UM(.#IRLC+"72JJ!Y,
M54M0*QA&B*BGG0(!@!@XH1`A8(8H7N>YSV"L^YJJ=3:T?"E[?-1:P5#G:J<_
MK>X80#69WJ'-"S.,V*H274FYI+3`U&89@.'U4Z&G)A0(N`X06+"`"@@A\(87
M.8-CF1^A$_W4O^R@8,I@,!@,!@,!@,!@,!@,!@,!@,!@,'&-[W01O=Y'NAB>
M[^MSGL&OIJ9>)<G>O\+KN75-NAJBHU9GJ5KTTRFJ!,"FBRNACITCRW5VVT\B
M(`964T1!3Q0"!M:-1PBB!1F(L7PB$B<Z'P"5UU47#N'_``D+W.\?L32X?^:E
MM%(7O_W.>P95LGXDGQ:/W`C>R"JK!5-4[^49VY?XA[O:O=&P;*\C]")_NI?]
ME`P93`8#`8#`8#`8#`8#`8#`8#`8#`8.`GS8GZ$7ZKV#6ITD_E.MT[^(:8]J
M=K+!:'=9^(=\)#]RJ3[,*)L&9;)^))\6C]P(WL@JJP535._E&=N7^(>[VKW1
ML&RO(_0B?[J7_90,&4P&`P&`P&`P&`P&`P&`P&`P&`P&#@)\V)^A%^J]@UJ=
M)/Y3K=._B&F/:G:RP6AW6?B'?"0_<JD^S"B;!F6R?B2?%H_<"-[(*JL%4U3'
M_P#Y']MV#_A$W%(8(OS^'5:Z2+R/_H?XN8-EB4<YQ4LYWY'%P7._J<'"Y@R&
M`P&`P&`P&`P&`P&`P&`P&`P&`P<!/FQ/T(OU7L&M3I)_*=;IW\0TQ[4[66"T
M.ZS\0[X2'[E4GV8438,RV3\23XM'[@1O9!55@@Y(UL-P=V/PJNW=3JVVD<XU
MFGE$OI5I[5Y8DDD`?54^3T"K=RQ58F$R$8,E8($T@:52P8D?$_AB'A\7>'B]
MP;#TO"^$N!#$Y[HH00H8G/\`RN>Z"%SW/_VN>P>9@,!@,!@,!@,!@,!@,!@,
M!@,!@,'`3YL3]"+]5[!K<[?)2FN>/A5=T*6))E>8YRF51W#CVGR[*:$J3(NG
MG%JF6NFC,1-(1BAU0,P%2H,8HL4`;W!!011Q/=#"][@LMNY(GDS<;^$L35,D
M<3%)/H^1(J":HE1R*@GGBE-:+`&R1XD:#",DSA0<.(,4(2&$0..%\,3G/<]S
M!>;6';LM_MGE3=VO'IR:J"-5V\ZVBK*A5\&9)E(*DHEQY1I+/3DF&3T4LA)Q
MM%"?GQ,5PQLX^+R>#X7.8(\_"O\`X(=IW_G:_P#^8"I;!V&V`P&`P&`P&`P&
M`P&`P&`P&`P&`P&#@)\W'^A%^J]@Z:GPW]UM`K*=H:[ZXFY:HJ+3*E<F7\U^
MC/+:N)%$;5U063:5QILK2HD`.C4IIFY;$#>&23208QHQ'XO="Z"&.*$*T5#<
M+N'W-]]/9QN3G*WM:H#:.<K54&7K*GS62#`G"J$IH^1AJ+4-=.9F-Z@]25H$
ML(-Q,+2"?!$6+&#@H1HR(%WN[3O"355:>YJVAMJ6025U]Z-9T&:J7UBF].B"
M4:06VR;,"<8EJ>C$SS'`-`AF)L1DM3%@/#&!PTF71(X7&HS![A3GA;YM(6*+
M6VW8#0>T"9Y[3JD3338G-BE-$UHR:.EH9B8Y]G689]64U!+FXGGAT5"/3'&2
M*F3$(0YL$"$:,(&(1X4`61L!@,!@,!@,!@,!@,!@,!@,!@,!@,'A,/<XN.][
M_!S@17O?^9SH(GO?Y/+Y','04V9/AOJHUO!0JZ[G8LZ)ML4O55G>KE`+%)A4
M%1.)S5,4UJ).`W5*L$KQ"@ARVC3(F(1&"%'B#@55DH7!<>B`(NA+'`GUO[;;
M%XE\%\NV%(-B@1VBQ*D-+ZYA3/7M`@.R;)%N,D**G326"@Q%2EUR>(56QY?#
M-E$1#28PCQEP43@LN7"&,@!>AMF[5]K>UE14*EU`9=C4YP7P21RKE;YI+E3-
M3:NS*7#>\53F%4#AB>FH)<R()$G(I6*$BGP1O>YPI@0<R,%D[`8#`8#`8#`8
M#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#`8#!1)5^^2X2W2>-S.@,QKY
M:<:R$8Z"3YMQPJ2(A)XRZDWH&2=OE,Y$C))R<7!FE/HW=:B*3U$<Q`9.O03@
M,9F.*&%SW!XZ!WJW*UR]W;;@/-:<B7.DJH5[2MQ)70D)`.`%Y<L+&-4LJ^$5
M2CB7&3EA,N+K=-$F&$DR5!+"!H*R-$3B#?"Y\`3`E2O%55+=GK5;2=F=PU%9
M3L)H+6=`D_24>!Y&I$YUUKE)TR3"]<#(PKQARA+DGIQ?*B&8BH6!QP!PQQQQ
M1!SMGKO52H&X-N;41FV9G*E,K?8[,G4DEQR2CDWRJZJU#UJ;Y\\50D1`5EC7
M)A*!F/31C&7X>`'@@>^%@]@W4*U5)MRVY+T*[T=F+E*J5)[?*ASO(4S:8DK.
MAS,AHPIM,4=*722DCG\N/"Y^$9+C`Q?DBA>[R,$T)"4CJS(TEK"D-F5%5E.7
M5(^8X`PL<Z>1R9HT-AA0P!!XHXL47##"Z%WCX.<YS!`5.KW5<?=\FNV`6:'1
M4/3-N.2*[$I+TA&<\&JBQ<M/,@J$SZ\XBZ8!'#RFCERN4B,O)PX>)"$X1\43
MPC;N+7?5K&KDE6<V:W#T<H#6JG=(%RZ&K4^U:.T[$EXS"&&J(MN=LXY.?3@9
M0F+<7/B>='75$M#`HH,K(@A@&,,4^5BB"P^R^Z^0[V;7*3W-TZ\":34>6(C2
MS+@APL>49$GQ#-&I?J%3Q:'*Q1@"+4B3LE'DLQ'!YL:,KBAOB"$@BB"F.PK=
M\GB2[3T)9W'5,-8JK-=%XKB+;IYDN6R2<=O"D:89O@E$A1N0Y21BB:DG+H9`
MJ*N)<K')>(A!O4R:NCJP4.$9/1E@FOM0UXNVK6Z^9*O)6)6,5-I#>.H2&D2;
M)2>E`RO2.4%V@M#*K)E(4M<3BA8U.SZ?'*BF$\PN'(A3"H;!%'ABA!C"#@"N
M15N-O&ZAUN)UZKQNVT8FQ'N!KB@RM3ZUW;0DRL%$$^CB'4R8TNB*K)-3A[6J
MICS@%,]*BJ2HFC@JV;%B/&1G10A/APX0O`V^ZKG:W6=T2J:IUK"N)4YA1%XN
MHUB=3`[1<_-Y^79SF26#<,QTL4"B>8DF<Y>'1HDI<)N+%0G+!$S&$`"%'`%`
M'M]ZM0IJI)9O=G5:1%2)#G>F5L]=ZA2:M0%")^-(FJ2Z733,DO*<)%4+FTT[
M$05TT$5P)@(4`3@X1((H'O<\*L*)[J=2)7MN3J6W!RLDS=N7$T.BTK4MI5+\
M+I>0[R56O\N/4J'UWIR%"""&CTK6"I%2-5$'!#P)",RVNP#0P@`D,T$F-JRM
MUPM9+#SL^7*5$2*F5UE:L%X%.)HGV7Y62)00%8U1BX:K%.$85!EE+*ER9!$(
MILI@!%(181#,9<."(Q&(-$)'$'L.V+7^K-PFUC:_<95R:7356*HENI>>IOFV
M%'149RK-`A16%B4G(J(03T,E\LM`_"`+A@_)_L^5[!\0H)=;7J<]A9+O-F2>
M'*%R!C;KJ'706H7+\N%H8JHH='YKFE+F7EDJE@RLYQ9<301LHXFXG'P<$03X
M'OA>%C]ILZS-4JUBVFHTZ*6L3C/]O]&IVFU7RI0BY4F::J<RXNKRBXD0!+$2
M>>5#XHN$`&&"'Q<,$,,+G.<$5IUK[5=)W;Z`6RI\T.`HI.UA]Q599ED[2$81
MZC4:1:V4'E*5Y@UP4A&OE=-E^<U$#+!&8"HN8XQ`XHX((H0L?/B1@D3@P;^$
M0(H8$#B\'/X8X`8XH7^#W/<_PB=_3Y&#JK[:5;KP+ZZ34*69ROKW.I"J55B6
M)E7EZ:T*Q*WU(M533R(HS)Q`2G6N:;4U:6#R,.21X`"0PBL9B.'(G!0QO$B=
M`X+7-S6JETE!*#VL(]L-4Y=2*Y5&O!M>M^Y\JO*"9,DK3>7GHZJ(ZV%4-!0B
M"=$22)R.D`]2&08"!TC`-'&0>%%!!`P1KKSN?SX;M\%04I,4+6+YJ4756.4R
MN(M_FJ!`FE80I$K3=;2BE\T3C3A75$T9%JG0BJ<J+ZB709Q3`(>'%>$-"GJI
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ML//M`M0_U!FBZ[3K-=7>Q3H%IN(E\?4/EGZ_],<O]/R7K7(<7!YY@F0E9/W\
M<[>&G9_W2].N+PUW5\GW?5'X>/Q^K6G8WCP\/IV+X\7FN%@J`4\KW3W^\'N9
MM3[OIEUWWMVL]WN?Z;TWRG'F/JAT&T/*=-N7/5O*&5S/K?4F"PK9$R>)N&:9
MT6R?=@!G>S+7>P+F'H](.J]NW-_K[J!ELMU&T_ZKZY@:=Y_/L'S:SW2>Q/8P
MX>R'!ZIR[I/<SSMSSF>2JM^'9CC>G=PN5QLMK7HFFYGQ](RS!-O;ARG7S=RR
MVGXGO&36<R6MXN9[2;6?\1U;T7.X/!]!]$P^#^]Q&"HJB?4+E:9.G/O_`'D_
MK9<9HW;1VP=`_'N!J7GNF'=1]NG+.IXWAKWDS&+D_0,LP6\[)^G^[0MYTW#P
M-6KUC\?,VM:GW(5>UCG7FOUCU*U;'YGR_JGF'.:7ZMRC!(W<4P?=^7T9G+9?
ML[N9S&<U#*8/1:=<7-Z3ZTRN'XXF6](X/'#^7X,$3Z;Z=UZVK_#LHS79%/VG
M]0N:>];)].Z-YKM?\?4_3#YGG/5/3LOELO\`]4P>7:+R/8[47+:)E>[C<8Q>
M#F+1\3O,KYF\_JOKGPQN+-X/F^+CRWFL-@H<L0ZE=@]"N2_?H<E='Q>7^T3M
M-[2=$XEC+]#NOWV_]*,+QTWF?ZPY3PQO.>#!;/0'0O\`38)6F\B:![I^H>%R
MOU&Y$R?;O-F/A<V?:9DO[6<QO3\7%PO[M@AY93U?Z6VC9?\`U!>@<@T!P-/[
M&>WC1N7I2PLKJ?VE=%\CX<.9]?:%\YZ7XL'V#<[U_P![%:?RAWH\Q]A=RO\`
M\!=,^X'2>NE!,UJ_7'[+.E.9PM0_[WJNG9?S&88+&MOOGCEBLW.OO*<3$EW3
M_>,=O&J8>FS#F>E7;_Z-IO%P:MJ?G<7*X'R<1@Z]6VSU8[%K=.4/?P<M<E*&
MC=I/93VYY3FJ8O#I#UQ^UKE3%XL+7_3<3C\?-X;!>9N#>'2?;$UGF7.>\9V_
ML3JMX]0M5U@YX\X\A^H>H6/Q9_"]39_%\/,\#!!'?SY3Z[[<',?:?J7<G0_E
B3FSK5WB:SW-T2Q>F?2OZI]`].Q>9><_4.OZ/A^FY9@__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>g388224g14l81.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g388224g14l81.jpg
M_]C_X0`817AI9@``24DJ``@``````````````/_L`!%$=6-K>0`!``0```!D
M``#_X004:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+P`\/WAP86-K970@
M8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.5&-Z:V,Y9"(_/B`\
M>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O(B!X.GAM<'1K/2)!
M9&]B92!835`@0V]R92`U+C`M8S`V,2`V-"XQ-#`Y-#DL(#(P,3`O,3(O,#<M
M,3`Z-3<Z,#$@("`@("`@("(^(#QR9&8Z4D1&('AM;&YS.G)D9CTB:'1T<#HO
M+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS(R(^(#QR9&8Z
M1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.GAM<$U-/2)H='1P.B\O
M;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=%)E9CTB:'1T<#HO
M+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E4F5F(R(@>&UL
M;G,Z>&UP/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SID
M8STB:'1T<#HO+W!U<FPN;W)G+V1C+V5L96UE;G1S+S$N,2\B('AM<$U-.D1O
M8W5M96YT240](GAM<"YD:60Z1#,S04-!-41$04(Q,3%%,3E!,31&1#@S,D$V
M,S=&.#8B('AM<$U-.DEN<W1A;F-E240](GAM<"YI:60Z1#,S04-!-4-$04(Q
M,3%%,3E!,31&1#@S,D$V,S=&.#8B('AM<#I#<F5A=&]R5&]O;#TB4%-C<FEP
M=#4N9&QL(%9E<G-I;VX@-2XR+C(B/B`\>&UP34TZ1&5R:79E9$9R;VT@<W12
M968Z:6YS=&%N8V5)1#TB=75I9#HT86$S,#DT,"TY-3`P+30T860M8F5F,"TR
M-35D8S`X8F%F,V,B('-T4F5F.F1O8W5M96YT240](G5U:60Z-V9E83`V83@M
M83<X-"TT,6)B+6(P9&8M9#@S-6$Q9C!F,SAC(B\^(#QD8SIC<F5A=&]R/B`\
M<F1F.E-E<3X@/')D9CIL:3YM=&UA;G-O;W(\+W)D9CIL:3X@/"]R9&8Z4V5Q
M/B`\+V1C.F-R96%T;W(^(#QD8SIT:71L93X@/')D9CI!;'0^(#QR9&8Z;&D@
M>&UL.FQA;F<](G@M9&5F875L="(^36EC<F]S;V9T(%=O<F0@+2!%>&AI8FET
M(#(S+F1O8W@\+W)D9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I=&QE/B`\+W)D
M9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\+W@Z>&UP;65T83X@/#]X<&%C
M:V5T(&5N9#TB<B(_/O_M`$A0:&]T;W-H;W`@,RXP`#A"24T$!```````#QP!
M6@`#&R5''`(```(``@`X0DE-!"4``````!#\X1^)R+?)>"\T8C0'6'?K_^X`
M#D%D;V)E`&3``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$"
M`0$"`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#_\``$0@`40"_`P$1``(1`0,1`?_$`,D```("`P$!`0$!
M```````````(!PD&"@L%`P0!`@$``04!`0$```````````````,$!08'`@@!
M$```!P$``0,"`@8&!@0/```!`@,$!08'"``1$@D3%!4*(2(6=[<Y,;87-SAX
M,B.T=;5V)#48N$%1<8&A<S1T-D:6)]=9&A$``@$"!0$%`P@%"`<)`0```0(#
M$00`(3$2!09!46$B$W$R%(&1L4*R<S8'4B,T=!6A8G*",[,U%O#!X<+28R31
M0U.#P].T577$_]H`#`,!``(1`Q$`/P"X;Y!/RV7/&QTZPW3BJ0F.=]Q9MWTK
M'U1S;K1.Y!HL@(JNS0TXUGY28F*3(22YA*C)1R_VR!S?ZYFJ0?<31.`_,'D;
M"98N6I<6.0)VJ)$'>I`&ZG<VO81BD\ST587P:XX_]1?T.=25<_S@2:'^<M*=
MH(RQIY<I6&J<4]_45A\@F+6BQTW([\ZKVSY-:%I<LI4Y`Z!FT9=PAFKPJ5L)
M27RS>;:-2G49R[5,IT3*`=$PZWRR2\YT^[]/S*)94JCK3S#M2OU2PJI[0<CV
MXSOC'3AN;0<RA$<;$.#7RGL;^<![WB,QV8ZK-+NE3T:HUJ^T2PQ-MI=QA(VR
M5:S03Q*0AYV"EVJ3V-E(YZ@8R3AH\:K%.4P#_0/H/H/J'GF.6.2&1HI5*RJ2
M"#D01D01WC&[QNDJ"2,AHV`((T(.A&,F\XQWA>.F>4L"["SD^5=$YW&Z+3"O
M_P`8CV;QW*1C^"GB,'L:VL-?F85['2L/-LFDBL5)P@L4Q04$!]0$0%[Q_(WO
M%W(N["0QS@4J*9@Z@@U!![B,-+VQM>0@-M>('A/8>_O'<?''*LZKQEU@_9VZ
M<P5VY6&2A\VZ$M&/UVP2K]P>0<PS.XC!0<E*IH*I(*R"<<Y1,X]@%*HJ0P@!
M?=Z!Z>XN]-[P<')RH@E>V#D`4%=M33N!(Q@?(6OPO*R\?&S>BDY12=0NZ@KW
MFF.GYPM\?O/'Q\YFYS["(.71?65"NN=*NUCL,[/V/1K-7HU6/1LDP$I(NXZ*
M6.#M<2-8Y%HU2*K[0((%`?/-?,\YR'.W/Q-^]:5VJ``J`FNU0`,O$U/CC=>,
MXJTXFW^'M`0,MQ))+$"E37Z!08=[R(Q)8KI^1SXZN>>_\CD8K8(:7;WNB5"\
MFR'2:[8YZ$G<ZGYJ.:NCR3=E'R*$)/,7$A!,A=-)%JZ3611$A?IB83A.<%SM
M_P`%=B:R8!'*[U(!#@'0U%1J<P0<1',<19<O;[+H'>@.Q@2"I-*D4[Z"M>S'
M-7^/O%$>KNV.9N<KO:+-&5+5=3B:[<W4%,.VLJ-;8-9">L3*(=JJ*@Q>RD;"
MK-47`E.+<5@4`#&*`#Z+ZAO6XO@[GD;=5]>.*JU`(!)"@GOI6M.VF,2X6U7D
M.5@LIB1%(]&H2,@"2!W5I3PQU#:7Q!S+FO.%GY.S;.0SW#;G&SL99:Q3+-;8
M"5E2V=@WC+$_<7-E.$N03,VQ:D2<O2OP<JD#T$_H(^>:9^6Y"YOUY*YD,EXI
M!#,`WNY@4(I0=@I3&\0V%K;VGP4"[+>A%`2#F*'.M:GOK7%?Z_Y>?XIUFZJ!
M,%MK45$3HD7;;ON)5VXF()"K-Q4OZJ154O7U+[B&*`@'J`_T>3W^>^J*[C<U
M_P#+C_X,0O\`D[IVM?A\^_<]?M8H^[P^&#JKXS8*S]A?%_TWO"E*HJ'[2Z-F
M"MJ<FTBL56'$'[^QQ[R-1;5[6:?`)(F6D(N3C/O$&1#*!]Z4JH%N'#]7\5U&
MZ<3U3;0&1Z*DM*#<=`>U#W,II74#%<Y7ISD.&5N1Z?GE$2>9HZU-`-5U#4_1
M(TT).6+;?@M^8A[\CE&M.3[<C!Q/4N0PT?-S;Z!:IQ4#KE"=.$XQ/0H6&3,9
M&%F(N441:S;%$?M4UG3==L!$7'T&]9ZUZ2'3ERL]H6;C)B0M=48:H3VY9J=2
M`:YBIG>E^HAS4!AGH+^,9TR#+^D!V9Y$=ATURV!?*-BV8IU^8BC7"H9MBO?F
M3L9"3U3X\=49[6^@(Q58B][Y_GB-ZKT91#HI>A5_O<^<&DDQ./HD,8;V_K&#
MRR],R1S7,O#3D""^C],$_5D!W1-\CBG];$%ST3)#'RD/]O:/O]L9RE7PJN=>
M]1CQ,4D&?R;=-5SLQP^?APSR7*RB'(K!XF[AHW>=V_#C,+[U#+(N_M57-$S%
MJY<5RH$5+])>1+)2(B`$0`>KM&X"Q;BZ4Y>X7]?I6*.H*P^#,0'D[AL7OP6[
M#EKI;X$GC8?[+4!WT,GBJ^ZF6NX]V&,IWRJ\9WS0ZI1JW=KDY@=`T%YD><;:
MZRK1(WG/1]88J.T%\ZHNZ2%>;Y[9;*LZCW"#4&[PS1^X0.BU774`""QDX#DX
MH&F=5WHF]HPZF5$R\[1UW*N8K45%02`,.8^8L))5B1CM=BJOM;8SC55>FTG(
M]N9!`J13#!,.NL'D[OTWG[2W.#6#CV!K5CZ!,I`3J,/2HVV4J1T*(]DZJP)%
M3CP*C%JNW"#%5PJU*!2JE(<Q2BT;C;U8;><K^KNF(CS%6VML.5:CS&F>NHPX
M%_:M)/$&J]N`7R.55W#V^7/+$:O/D8Y&BZES'>9O335ZJ=>5*T7S$INP5JR0
MK*5I=+S\VH6FSVE:0C$"4*&A:04'BRTR+(H>\J0>JI@(*_\`!.3]6XA6/=):
MNJ2`$&C,^P**'S$MEE7"(Y:Q,<$I>B7"ED)!%55=Y)[@%SSQ!4I\O'*<QS!T
MKTGFSK4+5!<X24K4K9%+8AJK"?96A6F?MC4Y64JK^K-K#%9Y/QCENZ_'GK=K
M&MF2GUW*J"0>[QVG37(F_M["?TU:Y`*GU$*E2VTT8,06!!&VNZHH`3AJ_/\`
M'_!37L19EA-&&Q@:TJI((J%(H0Q%*9G$G_%MM=HWCAKG^Z:`]TJ8TT,]J;34
M+#I]%ME%E;#?WM:A['892#);(2"-::F+B=!)A,1Z:T6]22_Z.L<"CZ(=06<=
MCR\\$(06XD;8%8,`NX@5()H<LP<QVX6X.Z:\XR*60N9]H#E@5):@)I4"HSR(
MR/9BP?R&Q+8/#!@\,&-?/YUOA_B.^<K7W/%(1LQ[`R2O./P`K,C=J7;J9'_4
M>KYC85C&13-8&H"JK7'ZAO5NZ.9HH/V[D3(WCHOJV3I^[^&NB3Q,K#</T"?K
MK_O#M'B!BJ=4=.)S-OZ\`IR4:^4Z;AKL/M.A[#X$XH6_+]_+R]Y*OC?A'JB8
M<P6%6VVR$5F]EMPKQ[G`M5?R@M)"EV0)$4SPE`M<]]4BQ%@(6#G#B<X$;N7)
MT;QUYTHO)P'J'BJ/<A`7"YB1*5#K35@-?TESU&=3Z.Z@ELIOX-R1/H5HA.J-
M6A4UT!/?H=<CEOZ`("`"`@("`"`@/J`@/Z0$!#]`@(>8?C5\?WPP8Y3GR/\`
M\W7K/_/!8OXBQWGI[I_\)6W[B/L'&!<W^([G]Z/VACJQ^>8<;[@\,&,>MW_P
MI9O^7YK_`(:Z\Z3WU]HQP_N'V'Z,<M?X5/YL'$G[YI'^I%V\],=9?A2\^Z7[
M:XPCIC\06OWI^RV.J3YYEQO(TP>&/N/BX;H.T%VKI!%RU<HJ-W+9PF19!P@L
M0R:R"Z*A3)JHJIF$IBF`0,41`0]/#3,:X,<Z;X[T&7*7YC5QDF8)$2I#+I_I
MS`V<<@H<S=*@2#._#'QI/8/H="`7AF(D*/J!3,B_^+U\WSGR>3_+I+JYSF^'
MADKV[@5%?E!/SXQWA@MAULUO;`")II4IKY:,<O80*8Z+X?I\P/&Q80_Y1+A(
MT/XY^V[-#H.G4PWYFUZ-B&S%LN\>.)6QTZ4K<:@U:MDEW"ZZKV6(4I2%$PB/
M_G\F.GXEFYVSC<@(;F.I.0H&!/\`(,1G-.\?$7+1BK^@]!XE2,++IN#;'6?@
MNE>=<)AY8-KB?CW@\\K5>KR@M)]]:4LBBV%C@X4Q#HG_`!R7$7S=`I3%.HY6
M*4OZQ@\?07MM+U<O(7U/A6O][$Z!?4K4^`U/AAI-:W$?39M+6OQ*V@44UJ$`
M('B<Z>.*V;7;\I[1XH^-CXY>+VLK-W*'MG)%EVM-I3K'#_\`9*H'.A(&U:7.
MZNZE8N,;4_05;;"_A+*-54(_DY!VL*13)_ZPT]&MSQ?+<ASO*T$3+.$J0?6>
M:JJ$H<UHVXMHJC/,XBB\/)<?9\78&LB-$ST!I$(Z%@Y[&J*!2:DX6'?NEKMG
M^=?/[3\EIUPM&^[1TWI5>M9BTJT'A<FYRJN84;)&5]FY<T1^$R4IHOX@XA*E
M%LUUWKU\Z%X*16;1=3Q_96,,MUP<ETP6PC@C8>9:O*9'<J,Z@+0&0D4`%-6&
M&5S=21P<JEO4WDDS`^4^1`BJ"<LRP-$[R:Z*3A\K=R#%:?WG\/7+URKTV_R;
MCG@2RZQ<&!63@E<GIZ$<9!G53J-O5.F>-=13^T59-ZZC3^[[Q-F*2I3(G.`P
MT7)M!PG*WT97XB\O40$GS`?K)&*^-#2O97OQ)-8QR<I863`^E;6I8BF7U$`/
MRBM.VG=7$+WAM<9KXUOS"FO1D/:)69V[L3H^F19$H>8=2RN7U!#+,.";8,DF
MXOY*"@JBVDG(&0(=,6C0_M]Q`\>V[0IU!P=JS*(X;:%B213>Q>6A.@.X@>W#
M0AWXGEIU4EY+F1<@?=4*E:=H`J?GIC8RY*UC%-?P6@S6`7R*T;.:Q`PM`862
M':R3-FH[J$#$QR[/[>681KM)9J@*7O**0`0QO;_I%$`HO(P75O>2)>H4N2Q8
M@ZC<:]F+A9S03VR/;,'A``!'AEADO&6'.#PP8/#!@\,&-,3\QO\`#NO+_M3\
MA_,U34>R'TOONJLWK\?]19^Q:M3$5W6#CFI?<LZ8M$"IVE!(AE%T0))>T3)O
M3GUK\O>K5@*]/\DU(6/ZESHI/_=D_HD^[W'+0BF<]9=-&<-R]@M9P*R*/K4^
MN/$#6FHSU&,J^!?YT*5(9[%\>]R:M`TZRT*-BXG"=MT&:3BX:[TYNFDQ8Y[=
MK3)&+&Q]NJK<A"L)!\NBC*1WM3.I]TAZN4NN.BIX+D\KPT3/;2$F1%!)1M2P
M49[&[A[I\"*=])]5130CCN4D"W"#RNQH&'<2<MR]Y.8\0<;`F1=]97T'W'?^
M8,1O50TJLXYSY&Z1HEMI<M'66"3OERO3*&KU68V2*<.XQ\Y@ZU'N'#XC=50B
M2D@BFH(*IF(2A77"WEEQD?(W:/'ZLK(BL""0H!+4.=*F@]AQ<8.4MKJ^>QMV
M5S'&K,RD$`L2`N65:"I^3'.6^3N43@_E8[0G5DE'",%V+>9Q9NB)07<(P]T;
MR*K=`3B4GUEDVPE)[A`ON$/7]'GHGIM#)TM:1C5K,#YU(_UXQ+G65.H;EFKM
M%R?IQU"N=^ALDZHQ^D[GB5OB[GGU[AF<M%R$>Y05<QZZZ":CV!GF:2BBL-9(
M-R8S9\R6]JS9PF8A@_1^GS1>V5SQUT]G>(4N$-"#]([P>P]N-XMKJ"\@6YMF
M#0N*@CQ[^X]X.8[<39XUPOA8>Q>E\AY*YUU#:]IM4=6:G6JI-_;(.7C9&7M4
M^YC7*,)3ZHP64(M,V>POSD;M6R0&,)C^\_M3(<Y7_&<?=<I?1V5FA>=V&G8.
MTGN`&9.&E]=V]E:O<W+!8E4_+X#O)[!CFH?"@8Q_E<X?4,7V&4V%ZH8GN`WL
M%2B70XD]P>@&]HF]/7_P^>C.LQ3I6\'_`"A]M<8?TOGU!:G_`)A^RV.FS(]!
MT"&Z,K',<Q()1NBW?)[#KE+;NW+=`EG@Z?98VN6Z/B4E#E6=RL",XQ=*I$]Q
MQ:+'4`/8BH8/-PL[AK-K]16V60(3W,02*]P(!H>_+&Y?%P"Z%D6I<M'O`[U!
MH:>(.H[L\3IXUPYQ71\DGR2X5\<N&6&_Z%8X:1U*5A))'&L<0?HGMVC6X4%$
M8HI(I)07S"GL)`2*2TJH4C9HV(<`,=P9%%2<X#@+[J"^6UM5/HU&]Z>5%[23
MI6F@U)\,\1/,<Q:\/:-<3L/5H=B]K-V`#NKJ>P8U7ORZO#O0>[]GS/R8;S69
MJ-HL*II%QJMOM,0ZBAU_9];&69S%@IC5X5!5]5:Y'S\FL>23*=H+I=N@@=02
M+?2TW\P.9L++ATZ9L&5IO(&`-=B1Z*Q'UB0,M0`:TJ,43HWC+VZY%N=OEVKY
MBI(IN9ZU(!^J`30_-7/&]QYBV-1PM'5G5F9<>YO!:;J;:TR$19]1S+'J_$TR
M*9S-@E;MK%L85"KM&S)_*0[7[5-\^^NZ4,N`I-$5#E*H8"D,^X_CY^3G-O;[
M0ZQNY+&@"HI9NP]@R\<-+V]BL81-*&(+JH`I4EC0:D?3[,>EU9TOGO'?/>F]
M*:LWL3R@Y3#,YJPLJBP92MF>I2$U&0#)E!QLC)0[-](.I.71(1-1RB!O=_I>
MOZ!^<;Q]QRM]'Q]MM]>4T&XT`R)))H<@`>S!?7D5A:/>35,:"IIJ:D``>))Q
M.<._0EXJ-F&[==JE+L&4F1!TF1%VD1\U1<)INTR'4*5RDF<"G`#&`#!Z`(@'
MC-AM8KW'#H:5I3'H@4H>OH`!ZCZCZ``>H@`%`1]/Z1]H`'_D#SYC[A2\QZMB
M]1ZTZ>Y9AZ>[;J<O57#YJT7\TXU=1\Q/[;#66Q,*HV@DF!7$<\K\'`IN%UE'
M)P5!X0"IE]HB,C<<<]OQUMR+L-MRT@5:&H$952:Z9DD"G=AE#>K-?362J:PJ
MA+5%"7!-`-<@,_;AM?([#W$3[CM>9\VY!H&Y:_84*CF67UIY9[;.J-G#O[&+
M8@1--%FP8I+/)"1?.UDFS1JB0ZKARLFD0HF.`>.+2UN+ZY2TM5WW$C`*-*D^
M)R'B3H,(7-Q#9P-<W!VPH*D^'^FF%SYT[.L_0%JB(5_QAUYA]6M%7>6^IZ5L
MU/SF&J$E%-BLE6K.:;5K3[3:Z989AK()JLV$K&MEU2E4`P$,F8`?7W%I91[A
M=6LT@;:5C9RP.?>BJP%*$JQ&E*X;VM\]RY4P3QI2H9PH!^0,6!\"HP\GD3A_
M@\,&#PP8^:J23A)5!=)-9!9,Z2R*I"J)*I*%$BB2J9P,11-0AA`Q1`0$!]!\
M,&-&+YY?@UR#G2@:?WISA:6N?T1"PUUQH'/+R&.O`-)J_7&+K7XGE$NS73+6
MXA26GRN%X1T@JS;D*I]FLBG]-J7:>A.M+V]N(>!Y!?4>A"2U\P"J31Z^]D*`
MU![ZXR[K#IFUMH7YBU;8E1N2F1+-2JGLUS%*=U,8O^4@*4O4G7!2E*0I<`H_
MH4I0*4/_`+BK_P!````'G?YKDFRLR=?5D^RN./R[_:KH_P#+3Z6Q2Q\F4(6S
M?+%V-6#.!9EL_9MRK1GA4P6,S+8+PTAQ>%1$Z8+F:`]^H!/<7WB7T]0]?7RY
M].R^CTI:3`5*60:G?M4FG\F*ISR[^H;E*TW7)'SL!_KQLYU;\JA-T4CQ*C?)
MMLM(2D#D4D$J;E[JJ)/U$P]"*ODH#:8]-VJ0OZ`,H!C`']`^9E<?F6MW3XKC
M+:4C0NVZGLJAQ?(>@Y+<$0<A.@.NU:`^VCYXRO\`_F-U?_\`;ATW_P#3EK__
M`#UXV_S_`&7_`-/9?R?^WA7_`"7=_P#V=S\Q_P"/&#W/\JA*V]`KV\?);K]Z
M/#-G2T>%TRQQ:?L@!(YU"LC3VS20L?K>GH84@*(@/Z?7QU;_`)FBTK\+QEM&
M#KL;;7VT082DZ#><CXB_FDI^DM:>RKG&N)\+2(-OEGXJ:@;W@TVR6:`?T]/>
M#6EWAN!Q+ZC[1."?KZ>H^GKYHO6#^ITE=OINA4_.R'%)Z:7;U';IW3$?,&&+
MR_S5]YNF9]1\%7_.;;8J)>JGFVM3%8N%2EWL#9("40M],(F^B9>.60>,G`)J
M&((D.`'3.8A@$IA`:9^6-O!=<;?6]RBR0/(@*L*@BC:@XLW7LLMOR5I/`S),
ML348&A'F&AQYO,G'7YA/K;GO+.B\\^3YQ$4;8ZBWMM=C+7M6G1UG8Q;Y9TU(
MA*I0N8RC)J^`6YA_Z.Z5`OJ`@?U_HYY/EN@^+OY>/GXPM+"Y4E52A([JN#3V
MC'5CQ_67(6<=[#?@12K4`L0:>-$/\AQ`^G?ED/E0O\I9=%OF^X'K^@O6CE\Z
MDK5K.LS]PM+QL@=1M&#9+AGGTR*NCE!)$73E)LB)@]QB$]1"0M?S)Z;MD6WM
M[6>&W!T58PH\:*W^W#6XZ'Y^X8SW$\,LU#F7<D^%67M/C084SBKY:.]/B=W4
MN%[ROI%NR7-9MI1-4YAU-ZXD):A0D9]-$39%(RBSI2HOXN,6!S&(,W`UZ6;&
M2_4%-1%RG*<QTMP75?'_`,1XS8EW("R2H*!R>R0=I)R)-&4ZUTPRXSJ+E>GK
MOX+D=[6Z':Z-F5&@V'N`S&>TC3OQT?,OTJF;)G%$UG.IE"Q4/2:E`7>H3C;U
M!*3KMEC&TM%._8/ZZ*BC-T7WIF]#I']2&`#%$///UQ!+:SO;3C;-&Q5AW%30
MCY\;)%(DT:S1&L;*"#W@BH/S8I@^;N:N\S(_&EB>8TZ#O^BZ%\@&=Z%6:=:+
M,M3ZQ8S\_P!3MFBKQ%ALK6*G'D'$N5_H"JZ29NCH@3U!(XB`>6OI%(57D;JY
M9D@2P=2RC<0965`0*BIS.51BN]1M(3900J'G:[5@I-`?3#-F:&@TSH:=V%9^
M4_1?D0TK"\>P'H/F3`LLSKI/L?E+&7\YF/1]AU>UR"LGK4+;/P!&H26.TELM
M&OVE06,[<B\'[=%(1^D?W?JR'3EOPEO>2WUE<SR3V]I/)1H0@RC*UW>JV8+"
MF6N&/-S<M-;1VMU!%'#-<1(2LI<^^#2AC44RS-</IHOR)SO-G7O?U#W=U"EP
MKGGCK%^IL;BX6"^UMLNVFY*VT&Z5@9,CI;]H)>RZ7&QL=#MBMTS$</DT@]XG
M#R#@X-+[C;*>S)^+GNI(7J?*"`C*?`!22Q[A7$M-RS6E_=1W946L5LDJ]^99
M6J>VK``>)IC#*WU3W)=ICF?B="2SJI]MZ=BSSI[K73STG\;H_(N/S5A6:52F
M5S/S2K=&YZU)2CY*O1P2SLC+UC'DDY37(*;<5&X[BH8[CE3ZC\3',(H5)HTS
MA:DE@/*@`W&@KYE44UQ\%YR$IBL!L3DGBWR&E1&M:"BDYL3Y14TR)-=,5S\Z
M=G2G&6;?*MV?=+S6.BM%USY%*GR'CFBSW[+Y=2-1O.:46N9G5+/=5*RH%<I^
M;U1N[=R,R\C_`%*:/CG"J8$45`2V"_XH<K+QO$P(T$$7'M.ZYNR*S-(U*YLS
M>4*#VL!IB%LN0/'I>W]Q()99+T0JQHJL54("2,@HS+$:4-,6N?&[T/T_O.J[
MZ-WT6*W[F>L5G-V^?]"1N++8E5+;N#Q>S'UZIX8T<.%Y#1L,J#)*,296%Z=T
MNL_,JF1Z\3]3DK/.67'VEO`8$,-\Q?=$7]0J@IL:3*BR-YJH*4%#05Q/<5=7
MES-+ZC"2T`7:X4H"^>]4!S9!E1LZDD5-,9O\N%KSEYRHZYJM]!M&MW/LRU1'
M/>.9?2[5&4>P3FC/BK76,MBUUEV[^/I=8RU.HC8I2769ODF:$>'N;+_4!,R?
M3D=PO(CD(76*.T7U7=AN`446FT4W%]VP+45)U&HZYR2+X(VCH9);@^FB`T+,
M<ZUSH%IN)H0`-#IBN[DSY:]5KL*&9]!7)3KS5I;/)?\`L(9<A\7=,-IG;IFF
M2BM=G;C!ZA?&<#D6E4U*259MG%ABHZ#@$G"@N5%4VRB8#,\ETY!)_P!58K\-
M:JWZSUYX?)N%0NQ29%:@/D.YNS4'$;8<U.GZB^;UK@J2@BAEHVTT)#L`CYT!
M("KVZ$8NH8K=8AQ,=Q(I4LW;G_9JD7";=J1H%"#I0V;N58ML9-53\._9TFBB
MB18`/]L*(&]H_3]!\JQ''_Q.@+_POU_ZWI;L_EV_RXGQ\;\!GM_B'I?U?4VY
M?)NPUOC##S!X8,'A@Q1I^8X_E(=$?\R8A_&FB>73\OOQ7;^R3^[;%3ZW_#DW
M])/MC%`?Y2+_`!3==?N!H_\`$5?R[_FM^Q6?WK_97%6_+K]HN?NT^EL4Y?(5
M_.+Z=_SZO_XIPWEPX3\&P?\`Y_\`N-BK\U^)9_WL?;&.JIYYDQON#PP8\^6_
MZJD_]WO?]F4\,&.6A\,G\W+C;]_%A_JG?//2O5GX.N?W=/I3&$=.?B6#[]OH
M;%SGYN;^_7BO]TNO_P!<:3Y5?RI_8[S[U/LMBP?F%^V6WW3?:&-EWX4?Y4W#
M/[C87_B<MYG'6'XGO?OVQ>>F/P_:?<C%HWE;Q/8TL_S9W,54CVW-/8,#%MX^
MVS<]*X)HKUHU*D:QL$X.1NF>/Y19(H`L^@"P\NT354]5#-W2:?N]B)"EU[\K
M.3E]6XXAR3!L]51W$$*U/Z0(^48S3\PK!-D'))DX8QMX@BJ_-0_/X8LQ_+%Z
MU,Z/\8<-59MX[?*XEM&G9A$JNU3KBE6U%(;0(9D@<XB)&L:2\J-DD_Z$TT2@
M'H7T`*W^8MHEMU-(Z"@FC1SXDC:3\I6N)SH>Y:XX%%<U,4CI\@.X?(-U!X#%
MEF]<CV3:>U>'.ECW&"CJ%R*VZ$DY"CNHU\XGK7<=?HL31JW)1LBFL6-CF5::
M(NEEP5(=54RA"D]/UA\KEGR:VG$WG'A29;HQ#=7(+&Q8BG;N-,3EU8-<\C:W
MA8"*W]0[>]G7:#\@KC_'87)-OZ:USA>ZQ-T@*Y3N5>ET>@[K7I:/DGTA=E82
ME6&NU6,@E6:J;-@]C9>?,Y,JY`Q0(7T*'N\.,Y)./M[N,J6DN;<Q`@^[5E8D
M^T+3Y<=7UB;R:WDW`1PR^H1WD`@?-4_+0]F*X=PYQJ/:7S?4&3B9EU+YMQ]S
M;2'O5\,R*DM4+/HY=7DM0YFQ^SJE!9O*RT/.-AN<A'+%$B#:-C_J?I<E`)RT
MOGXOI&2-EI<7=P?1).:IL"3.O<&!],'O+=V(>ZLDY'J-'&<-O"/4[F;?OB0]
MAH1ZA'91>_#&;+\??2MF[AU_HK%.CJ=D^9]0X3F>&;L"U*F)?<*A`YE)V%P#
MK!;(E,-:M7YRWQ%A7:'DI-NX-#+*"[;MUUTT?8RM^:L1P\7'7D#22V\SR1T8
M!&+@5$HIN(4J"`"*CRD@8>R\9=GDWO+>55@FC5'!4EQM_P##:M%J#G530YC.
ME%[I'PM67.^+*!A50TG,HS9<1[HE>Y<=FG=-GIC'T)YK;)%Q6<NN-<>RA;#)
MU-QGSE.'?O"JJ/$UB_<I%4,0"F=S=5"XY1[R='-M+9BV<;AOV[0&=6I3=N&X
M94[,L-8^GS%8);QLBW$5SZRG;5-U3Y2,CM*D@YU%<B:9VW\\TWIN'6MMKZ:U
M*@6>?LQ()E7<OQNHO*]DF614$21*J$)-6E5]H-UL=F6?@I(OY!9HT(FV;HM(
M]N":JKBMWDEBVV.Q1PBDU9R"[5[PM%4#0`5/:6.)VW2Z%7NG4N0/*HHJTUH3
M5B3VDT\`,0CW_P`7VGJ^&Q:XY-HL+EG0/-.D/M,R&S6ZM.;CGLT-@J,U0[WG
M&D5EE)1,B^H^AT^=78/E6:Y'K8OHHCZF`2B\X?E(^/,T%RADL;F+9(%.U@`P
M960T(#*P!%10Z'#;DK&2\$<MNXCNX7W(2NX9@JRD5&3`D$@U&HQ&W.W%F]LM
MMQ';.E;=A,##<JY+:\>YEYYY;JEOALQHD7>(>IUNRV>Q6W0I!Q:[,_"K4YI&
M1L8DT9,(YN`J"9PL/O!:\Y.S%K-:<>LS&XD5Y99B"[;=Q"A5R`W,6))8L>X9
M81M+"Y6:.XNVB'HQE(TC4A5!H":L23DH`%`!XZXM0\@,3&#PP8/#!@\,&*-?
MS''Z?B0Z(_YDQ#_T;311\NOY??BNW]DG]VV*GUO^')OZ2?;&*`ORD7^*;KK]
MP-'_`(BK^7;\UOV*S^]?[*XJWY=?M%S]VGTMBG+Y"OYQ?3O^?5__`!3AO+AP
MGX-@_P#S_P#<;%7YK\2S_O8^V,=53SS)C?<'A@QY\M_U5)_[O>_[,IX8,<M#
MX9/YN7&W[^+#_5.^>>E>K/P=<_NZ?2F,(Z<_$L'W[?0V+G/S<W]^O%?[I=?_
M`*XTGRJ_E3^QWGWJ?9;%@_,+]LMONF^T,;+OPI?RIN&?W&PO_$Y;S..L/Q/>
M_?MB]=,?A^T^Y&+1O*WB=QJ&_FV]@AX_"^4<"1D$36.VZW8]9?19#`+A"M4&
MGR-4;/G!/0130>3E_`B(_H]YFRGI_H#YJ?Y5VDC\G<WU/U4<`2OB[`T^92<9
M[^8-PJV,%K]=I2WL"@BOSL!AW_RR>12V9_&#7;/,LG;%QMVPZ;J<:F[3,D9:
MN@XB:!!/44S>@_:R+6C"Y3/Z`"A%@,'J42B,-^8UVEUU/(D9J(8TC/M`W'YB
MU/DQ*=$6S6_`1LXH979_D)H/G`KAR?EFV/;LLQ+"*ISQH,EENI=%=E\V\YQU
MZ@H:M3]@KM?T2V.5[C(047;XF<KSB2)68)R0HN6JI"`<1]`'T$(7IRUM;F[F
MDO4$MO!:32E22`2B^6I4@TW$:'$CU!<7,-I'':.T=Q-<1QA@`2-S9D!@1D`=
M1A:LHF]U7[QVKXN^@=ME.Y.=;7QXEKMROMAKU;S/5L9E[+=EJ6VRN\VG"VM#
MC726@0`*R4:=-O'3"**8*)G%(#&,^NHK/^#0]0V40M+U;O8J`ET<*N[>HDW$
M;#12*E37ORPWM9+M>3DX6ZD-S;&VWER`K(2VW8Q2@JPJRZ-095I7#W9@7X\_
MCVCB\^4S0,#YZ>S\L\NSZEW+8X-IH=PL$\FB#NWV5[HUP>WVVS$L@S3(5Z^7
M<J*)(D33-[$RE+#W+\SS3F]F6:<J*;@A*J!V#:NU0.X4`K7MQ*P_PSC:6<;Q
M1,QJ%+@,Q/;YCN)/>:]V&JM>Q9)1#3I+OJ&>4Y2KU0E\LR=INE;KZM=HZK\8
MI.XSJ4M)-%(FK*2@?;%D'`)M#.?]4"@J?J^1T=O/,5$4;L6;:**35M=HH,SX
M#/#N2>&*OJNJ[5J:D"@[S4Y#QTQ5!D'4,'/?)9WSHELZ1BXKE#GSG+D&GP:E
MCTQA%81&6_9F5JU&0O$:_DI=M2?Q6?KX1*!)%,XJ.D%")D.8OH`V.XX\KP-E
M'#`QY*>><FBDR%8RJ!:#.@.[*FM<0<%^C<O=R22J+"&&$5+44%]S5S-,P5H>
MVOLQ;+(ZUE</GI-<EM+H$7E2D2SGT],D+C7F6?J04@5(S"93N+F13KQXI\58
M@HN`<"DK[R^TP^H>5Q;>X>;X=(W-Q6FT*=U>[;2M?"E<3K31)'ZS,HBI7=44
MIWUTIXX\ZM;CBUSSQYKE0US,K3E4:C(.9'2Z[>ZO,T&.;Q)0/++R%OCY1Q7V
M244F/N<F5<$!N7]*GM#SJ2UNH9_AIHY$N,O*5(;/3RD5S[,L\<QW%O+%Z\<B
M-"/K`@KEKGIEC(#Z+GZ3REQZEYIZ;_2&Z[K.V1[+"D=WULUC23+EQ2VQGH+6
ME!M#JE=J'8E7*1J8%3""8@;SCTI:,=K43WLCY<Z9]V>6?;COU(P5&Y:M[N8S
MRKEWY9Y=F,5?[_A46XC6<EL^5,'<SH:F1Q#1WH520<RFK)"@"V9L&ZDN55W?
MT!=)`I#D`T@3ZI/<D'N#U[6UNG!98I"JIO)VMDGZ>GN_SM/'";7-NI`:1`2^
MP>89O^CK[WAKX8ESQ#"^#PP8/#!C5=_,Z]SXA6^/'G'E?OM7L^VZW>:)(3]0
MA)5A+/Z)0://M[D_G[8#)RJ%><2LQ"LF3%NY]B[HJRJA""FD<P:5^6_#7LW,
MKRQ1ELH5;S$4#,RE0J]^I)IH/:,47KGD[6+BS8!E:ZD=<@<U"G<6/=H*=I]E
M<*'^51Q*SYRPZT[)TE(<_P`7F*=3\[JETN)DJW6;$2O2TY:[U8V4S,*-&9Z[
M52)LFZS[W?:"NLJ0%!,@H!97\T+V"XEM>*MCZEVA9F"YE=VT*I`^L<S349=^
M&/0-G+;QW%_/Y8'"J"<J[:DFI[!49Z:]V-;GM#9<[TKY*N@M[I,Z6P979.O9
MK2*_9FC9R5*:I;716DF2<8-5DTW:C9]',#KMP$A3JIF*(%_6`/-%XBTN(>EX
M+&52MT++85.H8H<NZM30XH?+74$W.S741W6YN:[AVJ&!+#PH,=7#/-%HFM4N
MMZ+FEL@KQ1K?$,)ZM6BMR+>3B)>)DVR;MF[:NFYS%]%4%2B)#>U1,WJ4Y2F`
M0#S!-#+;RM#.I2520010@C'H&.2.9!+$P:-A4$&H([QC-/$L=XBK;M9SK#LI
MONI:M;H.D46F56<GI^P3[]!@S:L8^/774*F*QRG=O5Q*":#=(#KN%CD33*8Y
MRE%>VMI[N=+:V4O,[!0!J2<A_IV81GGAMH6GG8+$HJ2308Y9/Q::_GV+_)+R
M;L6GV!M3LYKNV_B-ELTM[DF%<C+)%V.#:RDRH0I_LXYD]G4!=K"'L;(@=0X@
M0AA#TQU-9W-UTQ<V=LA>X]``*-3M*D@=YH#0=O9GC!^`N88.=@NKA@L/JDDG
MLW`@5[LR*]V-BK\V/F-LMA...EJHQ_:C&(JN:'09F]5XY)FOP\U:9"K62J+2
M4JP%PQ;15F81CHK)T*GT%EFXI@;W'(!J%^5EW#$]WQDIVW;%653D6V[@P`/:
MN51KGX'%R_,&SED6WY&*K0*&4TS`K1@2>XYY_P#;BV3X&NYN6[K\<W/.2_VS
M9_5]2PRF&SW0Z!<;=`5FS1[V)EY-1G.L(Z9?LEY>L3L:Y0<MGK8%42BJ**AB
MK)J$"J];<-R<'45Q.89&@F?>C*I(((K2H&HT(U[=,6#I7D[!N#@A]5!+$FU@
MS`$$'Q[#V'_7A]NJ_E*X7X]HLC<M6Z$SQ])(L7#B`SJA6:%O.E7!ZF@JHTC(
M"I5Y^]?%%^JG],KQY]K&HF'U6<)D`3!!\;TWS7*W`MK6WDJ2*LRE54=[,0``
M/G[@<2UYSG%6,!GFFC('8K!F/@`#_L[SC1@BZ-UQ^8Q^1":T5&MRU)R0CZ'K
MEAMB9%Y*C<Y8;!/'*T?5&DZLBVC;'I<LB[=.4V:'M5?S+U5P=-%BD8R6SM<\
M7^7O`?"!EDY$U;;HTDA^L1JL:Y`$]@IF3C+UCY'K3F#,`4L5(!.95$4GR@Z%
MS4F@U;/W0:=&7)LOIF)9AGV/YU$D@Z'F-.KM%J,20PJ"QK]8BFT1&(JK"`'<
MN?M6A3*JF_765$QS")C"/F!7-Q+=W#W4YW32.68]Y8U/\IQL,$,=O"EO"*1(
MH4#N`%!BE[Y=Z=2=YZJ^)[E[29A_&9U>]XW/6+T$;=);/G816*X=*O8ITVN$
M!,0,[7WR4]:42MW+1XW<%4,($.`F\M73,TUCQW)\E;@&=((XUJH<5ED`/E((
M.2G4$8KG4$<-W?6%A/\`V+S.YHQ4_JXR10@@C,C0X16%M^?_`!O=B]=I?'K=
M;!JO-F<\'[7TMV#2'UND-OJU!Z8H[%<,6)_:K,/YRSFT&[M68HR<&YF72J$4
MW4<G(0`*"<L\,O.\5:GFD6+D9+V.&!@HC+0M[_D%%*H34-MS8TJ<,%F@X:\N
M/X4[26<=L\LJ[BX$@]SSFI#,!0KNT%2,A1:M;6RM_P`6<`<NQ85S<NN?D/Z+
MXUW_`+.W0X1EJL\(_P!?T&%TID:VVPB3MTQE)D\0I!U>`*L3[.MP+\Q$$T4A
M%5]:B6/E[^_.Z'C+&WN8X(]`0BF.@`[!7>[=KD5))PSNVB?C+2T0"6ZNYX'E
M<ZCU&#`DZ@FFU1V*I[!BR)+E^F]S_-QVT^UUI%7SGGFC#>3LWMN533%&6J>E
MZ-*Q=MU.HP=U:."':R]2H;FPN9A>&6`[5U,A'+KIG!J0OD(U\_$](V7PI:._
MGN)W#@T*H-L9*G4,U*!AHNX#7$NMI%R/45T)P'M88HE*D5#-YF`(T(%:D:5V
MGLPJV3T7GJ'T7Y@N]>HFM&G^<\>Z;N^(<]8!,1D5(TV=U'&<D@,5KYH_/`:*
MLK5=5X<\?5:-'$:KFCC24@HU3(JL"I)"]EO#;\3PW'%UOY+59))`:,%DD:3W
MM549O(216@KD,VEO%;^IR/(WNTV:3LJH14%D14]W1C2BQCL).52"/$Y;Y\NU
M*VWX..!>NX9-KFE!Y3WGJYQD]M%8:G/]-N+E+SU6S^?BGJZT/99OGNJVU)9K
M'K`L1FY^JJ!/0Q0#KD;Z">VYCF^,/Z^2ZBB##)EA*T9@=0)63S'MK2NN.;&U
MGBGXWB[VOHI`TNUOK2@Y*>\QAJ@`T&O9C#.O++&H4;\P_;L"2CX#F[2'/)7,
M4(O7$&<?GMPZ<GGT%F?0LM44V!RP:\BQB+8V8SSML4`<.T`^L85$S""_%QEI
MN"BNZM?QB>9JYN(5K)$#7.AVL5'8#EEA'D96$/*R6U!:-Z4:TH%,IHKD4RKF
M`Q\,],/Q4=7I>\_,_P`<8[E+1";QOX_./^A1:WV.6;/:A,Z%*,\\Q*S,JB_1
M%5M*1^<M4DX1T]0,*/XL=XU*83LU0"$:WDM.D[J[N#2YO+N(;?K!1OD!;^D<
MP-:4;0C$H'BNNHK:.+."UMY/-7R[CM0@=Y49$Z`U74'"[_&MSO27G%?7'RE;
MA`5C1M`D[[W'TKSB>SPS6898FSK]GOD[)7ZI-I%%1M$Z/=;53"*NI=`H.BQ4
M3&-TU2%35*=]S]U+_&;?IZS+1PB.VAEH:&0[4&UB-54-0*<J[FI4X9<+;H.*
MGYFYH\A>XEC)%0@W,=P&@8D5W#/;05UQMC>9UB\8/#!A?=CY7P/H!^VDMASU
MK=W+2'&`2*^G+0P9FAQ=.'HL7$;#3D;'.TS.72AA,JD<X@;VB/M``!Y:\A=V
M0(MGVU-=%.?M(.&EQ8VMV0;A-Q`IJ1E\A&($IOQ5_&Y07ZDI6.(.:6\BLY!X
MH]E,HJME<F=@(#]Q]:S,)<Y5A,'J)@$!$?TC^GQ_/U)S]PNR6\N"E-`[`?,"
M,-8N#X>`UCMH0:UJ5!-?::X]GN;)>6+#SHNIT/S[5MPH&:O8`:!DCF*:ECY&
M]662C\YH%8@H\%64/'K3U@M#2+1.L7[5H5S]0Q0*0?.>$GY%.146$Y@G<'=)
M71`"[DZG)5)RS-,*<E#9R6A%W$)(5(HO>Q.U1W9DT[L\(^'Q:?&[D]:D[KU%
MQKPU3ZV#5B9B>E4^WO%X^7,WD)"6@A&5!9];B1T8Q.X*[9LF:IV[=PNHS122
M,8LY_F;J&[D$'%WEZ\E<]S+F,@#EDM2:4).9`W$G$2.G^$A0O=VMLJ>`/RCQ
M^0#MRQ.V1VGXX^*5%J#R91:/67NG;-G6;6NJX;6+%(,@N,Z\<QS&0LJT+&2T
M3'J0->4?2`E,=(Z[1`QB^I1`X,;J#J'F?^HY1W81PNX:1@#M&9I4@FK4'M.'
MMM_".,'HV"*H>15(0&E3EG2H%!4^S&;3G9LJ_P!!K]`H]GR!--6FRFCR]\FH
M+3IK/I.&LF[(XIC-*A[#%(Q#>,M=PD1<I.G9Q?IEE&?V[5HNDM]=)).&1;=K
MB=9O?"!04#@B+U)&*FM544H,O*:E@10K-?DRB*-H_=W$D,5H7V*`1VGY<Q0`
MX^/1]9^-/K1B>1Z3KN0[JUQ*:/7&#:T0\M;'$).71`SXK&I0D:V7>VQU86]1
M641-$H/_`*Q8MP*9A^V7]G/'MU%Q;C^'F6!YEK4$+4*?K$Y+0L/>(I4=XQS>
MQ<1R"TO5CE6,Z$$T)[@-:T[*Z'NQ6]/\0_&[`\G\R[;-<'<5U*Y]&3F,0Q7%
MOK$G%9K4&VKL5K2XE9%1S-LY0Z4-2V:RI$57C<5G92D,<@&]OEECYCJ&3EKF
MQ2^O7@MED/E(+MZ9VT&1&;4S`-!B%?B.$6RAN&M+99)2@S!"C=GWUR'B,\/%
MSG-<<9/QI-URJXCE60UR887J3N/.:,&\=4R:N<7D3_67C(]?M,4D"L3<L=J;
M6R-D'K5`Y85PW^NF1<1(,%R,'*W?,!Y99)GJH66HW!3((P:J=5D8H2"?,#0T
MQ+6AL+>P,<<:1QD&J4R)V[J4/84`;/ZM*X3>P\H?%!:*+E%]<\4<6/[W:;'4
M(K>$4Z+^$U3+Q?<_6_?+O,M&L:=H4(",KE,<*M7;8KEJJW*<Q3+'3.4)B/DN
MJ(II;<7EX+=58Q>:K/258E&=<R6`(-#7NKB.?C>"=$E-M;^JQ`?*@7R%R<NR
M@.8R/CAF,S^+_P"(6S29*U'\8\MRVB5F"KLK>&U4SF5?56&FWL7#2RL:68DV
M1(T%Q++-W*<8\4+)@P<HJKMBD4`1C;GJ3JN)"[7ERML[$+N<!B`2*T!KV4W#
M*H(!RPZAX+I]F`%M`9E`)HM0#D>W+N-#G2A(PS&2;QB6;ZGMO.=-SRBX=A_.
MN<5^XL;=!,:_2<ZDI$LK8F>P1\/$0[..AV#++5B0C>2=>GN/)R*R)@`Z`^Z-
MN>/NYK2#D)'>:]N)2I4U9P**8R2:DF3S$#]%0>W#^"XMX9I+2)%CMHD!!%%7
M4[@`,@%RKXD]V&,1Z(QM5Q&-3W5!BYDZM(7@R$Q#V&#5@J;&!,"YM%T),1#$
M:!`J?L\^^W=3GX>B[%FL"!E!3-Z,#Q]X`3LJ`X7(@U8T\JT)WG,5"UI45UP[
M^)@R&ZA*US!%!GF:CRC(YFE:985W9B_&YU-'Q%GW^LX7LC7.X+2YJ)<ZM1$I
MU[2Z]48.IW#2GY(ZTP7XG!1Z5:E(235,=%,K]BY9N$/K)*I&-)V0ZBXMV2P:
M:%I"@.QJ;BQ94%0:$[@P\""#0@X87<7#\@%:]2.4(&(W"NV@!8T(RRH?$4(Q
M^]'0^!.=\TU_+<_KF-56G4>F:]8M)Q?,<ZBXZ.DHK/82)+J4=+U"M5Q.-F)%
M"*LK%%^BLDLLHV=@90#(E4,5,6?.7]Q%<3&5I9'C"R.Q.;D[#N8U`)4T.F7?
MCL2<99PO#$L:QJK%D50!10-U0!GD17VXP7+:%\9N20>+9W3\8Q#)72EA@NA:
M%0&>9&CWU)TY2@6BVQ=QEE?V<35JE_CJ)$39V"\L=G(#&LG)6I?HIF(5>Y?J
M*ZDGN9999?*8G??7<F]5*C/S*7*UVU%2*YG"4,/#P)'#''&@W"15VTHU"=QR
MR:FZE:&@--,2#7.@N/:?>V,MBD=5I^[]3[-2*S>+'F55D%I"T6J6R9W=ZQ=+
M],Q,`N:2:MLQADQ;/'1_I`U`2@J0C9S]%!^-Y:6!A=[EAMH690Y`HHDVLJ@G
M7><P.WLS%54N+"*7=;@&6>10Q4&I.RH+9?HC(]WL.#'N1_CULUZ=]/Y!SUBL
MA=Y.YRMI3U1CGB::C^[KKE=2%_K#B9C4HUS*R2R_UDK%%I&^[^H8Z+I0#&$>
M+R_YN*(<?>32B-4"["VB]B&AJ`/T#II08^P67&/,;Z")/69JEJ:G6N>1/\X:
M]^&"W?F;G[IZO156Z"R&B:W!P,G^-0#6Z0+247K\L9+Z"DE`2)BDDX-XNW_U
M2JC19$RJ7ZAQ,7]'C&SO[SCY#+92/&Y%#M-*CN(T(]N'5S:6UVH6Y17`-14:
M'O!U'R8\Z:Y-YFL.#J\ORV$9<OSPLQ:1Q\;1IT,QS\&S"30FVGTZ\P;-62+E
M*:;$>?7(4JYG0?6$XJ")AZ3DK^.\_B*32"^!KZFX[JD4UUTR]F6.6L;-[;X)
MHHS:4]S:-O?IIKG[<>M1N:N?<RDXB9SO%\TH\K7\T;XU!OZI3X2"<P^4M9=>
MP(Y[&J1K-N+*IA/.E7IF2?M1.[4,L8!4,)AXFO;RX4I/*[HTGJ$$DU<BFX_S
MJ95[LL?8[.TA;?%&BL$V9`#R5KM%.RIK3OQ[,+AF-US(%N?X#,*/#8@XJT_2
M%\HC:Y&,Z$M4+4E(H66MJ5I!N2+/#SR4PZ*[0%/V+@X4]X#[S>OQ[RZDNOCG
MD<WFX-O)\VX4H:ZU%!3V8^K:6R6OP2HHM-I793R[3D13N-37$J^-L.,'A@P>
M&#!X8,1;M&40NVYM8,WG9*7A&TPM`RD=8(!5LE.5JSU"R1%RIUGB#/6SQB>0
MK=MK[)\DFX15;JG;@14ATS&*+JRNWL;E;F,!B*@@Z,K*5932AH5)&6>>6$;B
M%;B(Q,2`:&HU!!!!'L(!PN.F\DVO;ULZD]AU*I7&5S&X.[)7(X,=3;4)5I+T
MN9I4V2:I,EH,XG/6!PUF3.FKIZ\<1C5P42'C%VRBJ!Y&VY:*R$J6<3HDJ!2?
M4J]0P848(*"HH0`&(^L#0X:RV3W&QIW5F1JCR^7,$&HW&IS[33PIEC]*7'A8
M&'J:-%T%*MV:"ZVO/5\]87]&CIMO=9G0%=%C9BLSD*A,PI4Q84R_)QD?(HN"
MG:'B&:WT#D(+;SX>8]1W-Q'NC:T6``,1M";"&!H=63<13/<PKVX/@=JKZ3;6
M$YD)I6N[=4$5'8U`>R@-.S$5YUQ3,EB'M5LMBDZ_6*>/+6?U)T"$4XL=YIO+
M%UFM2=VN7)&2;AE6E]7T^U/5TTB*K.64>S;**%*NH9))U<<TF\2QJ&E?UW;6
MBM.H3:*BIV(H\"2>S,I1<>VW8Y(5?34=Y$9+5/=N8GQ``Q^.#^-Z/JV>YY0J
MCK'[&_V>532J8QGJKG,9&2D@TT#)VN2(W5Z[5L;R47UV%AF8'"P+.UR?3=O&
MS1FQ;K(D;?9.HVEN);B6+?ZKHQ!<D#9)ZFT9`>F3]6@T4EF(->4XI8XDC1Z;
M%85"Z[EVU.?O`=M>\``')K5>=H0T5R]7DIDZ==YBEHJ6B8A2);+HVE2`QJY8
M_`I/!,Y*2*+&-[@:0**9%O59N0@`4!]X18Y%]UU(1^LN@037W:R+(?;7;3LR
M.'OPJTA6OEA((%-:(5'LUK\F%UT_@!+4+1K5@D]FL#-CI@;NX90"=6CW+*MS
M.Y\_4CGAY-++'EDE)YW4J?4%2QX"5J!4))=$1`PF6/(6O/FUBA185+1>EGN.
M8BF::FF6YFSUS`/@&LW&"9W8N0'WY4T+H$KKG0#+34C!:_C[B;=7)6/>:8O%
MV&S-;ZWLTQ7Z/%1<(5&SX*]YPJ,+3ZJ676)5*CF69R;I",8'=OUE7+M===R=
M1901^Q=0/#(&6(&-2NT%B3Y91,Q9J>9G<`L:#(``98'XQ9$(+T9@U2!09IZ8
MH*Y!5)H*G4YX8[),/F,@=:BW@[_]]6+U>M"T6O03RI1Y7=8L^ESBMHG59B>2
MD?N[>QBIMPH2+2^G'"VC3@U6,Y%)%9.-N[U+P1%XZ21QHA(8^94&T4%/*2/>
MUJV8I4C#J"W:`N%:J,S,!30L:FI[:'33++/7"OR_QLT!9A`*5R\3%?MR%"FX
M&]W!S%J6%SJ-\D];R?>$=%M<1)3P1:0KZOF*TA*1;0J"$JWGGK<RJ(?34+*)
MU)<`L)4#0^H"BUIL01R1;%(%?[-P%8U*E%-#AFW$Q4!1B)-I!.NX[E?<<_TE
MJ0-=Q&,ZNW%CW0B[ZSLVQRIXKIC-X"G:JWC:7",WZT]6:[.5J&E:O(N'[].#
MIZ#*8(HI`KH/C++-O4[\2N7I7+>#FA;_``YBA&^VD+)5B11B&(84%6J/>!&1
M]W):*R6'J^J'<[9D`;+M`(!'<,],_;F:QUHWQTGU.5NUHM.XS"%NUJ`N=;UJ
M2@*0PC(F?A[6&$Q:,)581S8I(].@6=.P9C$.4E'4FZD$))Z<[DAE?3QS;=1?
M"K'%%`/2A96C!8D@KZIJQH-QW2E@0%`VKEEA*7B_6+.\AWN"&H,B#LR`KD*(
M!VDU.>,HM/`%>L,7JK1AH\K79+5*MV%#R4S'5F+.Y:V'KF\4VRR-M<)JO0"7
M=T:KT*,KC=%4Q?O8M$0,HB(@4J47/R1O$S1AEB>W(!8Z6ZL`O@&9F<]S=^.W
MXQ&5PKE2ZRBM!K*02?&@`7Q&/&E>`IZR/K5+V;H6?>2ULLNJWM\M$4AG"LB7
MO5^7S<R.YS[(UGDCN&5*AE#O*\T.L(QR"AV9E5O<+GSM>?2,(L5NH1%1`"Q/
ME2?UP*T&;')SV^]0:8Y;C&<L7E.YF9M*9M'Z??V#-1V:9ZXSJ,XJ;TZX4FVY
MIH9*66CZ;6[?&UT]'CY>O$H];YG@^9V.<LF9)N*5C2L8&*7D6,B10P-',@ND
M+55,?7Q!N:,T,D5S'O,D3*6W$'<9C-O.1K4D*1V@`U&%!Q^R19(GV[7!I2HH
M(Q'MU%,A4'LJ<L3GS]BPX749ZK_M$A.)3MYLMX2CX>#6JM+J(V8S-9Y6<_J"
M\[9CU2J!)-UI#[$KY=$DA(.CH@BBHFW28\A>_'3++MVE4"U)W,VW1G:B[FI0
M5H,@*U-27-M;_#H4K6K$Y"@%>Q14T';2NI/LQ.OC'#C!X8,'A@P>&#!X8,'A
M@P>&#!X8,'A@P>&#!X8,13N&LQ&&9/=]6FXY_-,Z?$E=MX*+,@G)V&9?O&L/
M7*Y'*NCIM$'UAL$BU9)**F*DF=<#'$"@(^.[&T>^NTM$(#.=3H`!4D^``)^3
M"-Q.MM`T["H4:=YT`^4Y8KCL_P`B>GU>+OJ2>79U;)RBNNLEY64KMUGV]'CX
M7EO.\HL<VX<24G74YA^L[T;2_P!D`,@U*1>1127(4B*IP2L473UK*T9]61(Y
M/0H"HW$SO(HR!IDB>IKI4:C.*DY2:,.-BLR^IF":4C53W5]YMNFN>,S@N@Y[
M?.P.?:]$MHVOY]5C]46]K')3LDZMEI=8T:.YWFK1.1S,K:$CZ2;0]`F6$2@Z
M^N[=J1`/@!(#`FBB_'QV'$7$CDM<-Z"UH-JB2LP4$YEMB*6(H!NVYZE1;EKF
M^B5:")?4.N9V>0GNI5B!K6E<9%1E:]IUCZNUC>)NU+J8;MMII%4H\5<K?6&&
M;4/-J[7IFN2497*W.P?XA;=2)(GG3R#CZR\BUD&C)(P-D"IBG.'M8[6TL%3]
M?`K,Q56+L[$$$L#14ILH*`$%CF:XZCVS--/<EOU<A`%2-H4`@T!%2WO5[00-
M!C%8/OS0Y5Q1X8F/5J2L^IJ\K6"GQ$%>7CIK`4SJ)IJ<XVCKW+.(!%!M<\UI
M>4/)V6!B1PU<1ZX&;@/TRF75DX"W4._K,(XA.&)75H"@J@K[KM(%6M"",_#A
M>2D8JNP%G],BAT$FXYY:J%)-,J?R_*&[_O;VFU:V3&8UN`6ON(XWI&:QB\S/
MNF6ES>HZ/1,YFOV;LJ4.2-80>?2VBPX2+-X0LL"4LS<E(+=4QBC\!`LSPI*S
M".>1'-`-@1&<5%:U<(U"/+Y6&HP+R4AC#L@&Z-&7,^8LRJ:&FB[A7MS!TQ#.
MO=5:'H;V8TC'Y&O0$M4<TZ"H&;/WLO)O:B\E+]VMG/*^9:+(-F_VI',I*?V>
M3+J+^HDJ@@9<0*8Z:A_<]L^*M[<+;7@9D>2)WH!NHML\[H/`;U#>SPPA/>RR
M$RP;0RHZK4Y5,JQJWR[33$L:3\BMDI$E=%HC/:Q8Z_3J#UA+,61;#)(W*ZV;
ME$8.H6&2AXQ)FZCHBDVK;ID:I%_=N3OW9T#.RA[!^F5I;=.QSJ@>1ED>2`'(
M;56>K`$ZEEC'J-04&GCA:7E&C+%5!15D[<R8Z`T\"YVCM.N,@@NI=ZO^ZY]0
MXZL4*K-H*X=/(WFI)V9W*R5TC<7HV1(QT-$6!=G%Q4>_:7G;TF#\ZB9VI'L2
M"Q%#(&]OB<G%V%O827#-([,D.UMM`ID:2I(J205BJ.VC4UQTMY<RW*Q*$`#2
M5%<R$"Z'VO0^(PXO-^KR6TY)7[[.L8^%LCQW.1%KJS%M-LG%(ME<F7L%9J).
MM+`W:R*5DILVP7CGY@*+9=PW,LV,=NHD88?D;5;*[:!"3&`"K&AW*0"&%,MK
M`@CM`-#G7#^UF-Q`)6`#FM1GD0:$&O:#D?'3+$Z^,<.,'A@P>&#!X8,'A@P>
M&#!X8,'A@P>&#!X8,'A@P>&#!X8,'A@PF'R(_P""3I']V[__`&UAY,]/?XW;
M?>C##E/\/E_H8JX)_=SK'[H>X_XN<B>68_M$/WMM_=SXB1_9O_0F^W'B9^)/
M\:^L_P#,?=__`'C,8\9\U_@L7]&U_N9<.+#_`!"3VS?;3&!=8?S-\J_]]P/_
M`(]8O''%?AB;V2_0,(WG^,)_4^DXQWAK^['+O\Y=J_[FVO>=\]^TR?N:_P#R
M(\<\=_8I]^?[I\+O_P#*6H_Y4^&_ZS<J>2(_M8OWNZ^S/AM]1_N(?ICQEFZ?
MX'.N_P#*>C_W]>D?..._QVS_`'O_`/EAQ]N?\-G^Y_\`6DQY%*_]JW+_`';U
M)_&SCSS[+I#[8/[NXQ]35_9)]N+&;=2?WU<]_P"9GY2/X?*>)<7^P7/[M8_;
MQ]O/VF'[ZX^R<6Y?'7_@]R/_`-5;OZ\V3RH]0_XQ-[1]D8F^+_84^7Z3AV?(
67$A@\,&#PP8/#!@\,&#PP8/#!C__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g388224g42w99.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g388224g42w99.jpg
M_]C_X0`817AI9@``24DJ``@``````````````/_L`!%$=6-K>0`!``0```!D
M``#_X01`:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+P`\/WAP86-K970@
M8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.5&-Z:V,Y9"(_/B`\
M>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O(B!X.GAM<'1K/2)!
M9&]B92!835`@0V]R92`U+C`M8S`V,2`V-"XQ-#`Y-#DL(#(P,3`O,3(O,#<M
M,3`Z-3<Z,#$@("`@("`@("(^(#QR9&8Z4D1&('AM;&YS.G)D9CTB:'1T<#HO
M+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS(R(^(#QR9&8Z
M1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.GAM<$U-/2)H='1P.B\O
M;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=%)E9CTB:'1T<#HO
M+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E4F5F(R(@>&UL
M;G,Z>&UP/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SID
M8STB:'1T<#HO+W!U<FPN;W)G+V1C+V5L96UE;G1S+S$N,2\B('AM<$U-.D1O
M8W5M96YT240](GAM<"YD:60Z1#9&.4%&-S-$04(W,3%%,3E%,D9",#(U.41&
M.44V1#4B('AM<$U-.DEN<W1A;F-E240](GAM<"YI:60Z1#9&.4%&-S)$04(W
M,3%%,3E%,D9",#(U.41&.44V1#4B('AM<#I#<F5A=&]R5&]O;#TB4%-C<FEP
M=#4N9&QL(%9E<G-I;VX@-2XR+C(B/B`\>&UP34TZ1&5R:79E9$9R;VT@<W12
M968Z:6YS=&%N8V5)1#TB=75I9#IE,C`S-&5A-RTT,3DW+30S8V(M86(T."TV
M.61F.3`V9#`X9C4B('-T4F5F.F1O8W5M96YT240](G5U:60Z,35E-S`W-#DM
M-C(T9BTT.3)A+6(W9F(M8V4R-3@P9F5C-S0W(B\^(#QD8SIC<F5A=&]R/B`\
M<F1F.E-E<3X@/')D9CIL:3YM=&UA;G-O;W(\+W)D9CIL:3X@/"]R9&8Z4V5Q
M/B`\+V1C.F-R96%T;W(^(#QD8SIT:71L93X@/')D9CI!;'0^(#QR9&8Z;&D@
M>&UL.FQA;F<](G@M9&5F875L="(^36EC<F]S;V9T(%=O<F0@+2!&:7)S="!.
M871I;VYA;"`M($]P:6YI;VX@9F]R(%1!4E`@4')E9F5R<F5D($%U8W1I;VX@
M4RTQ+F1O8SPO<F1F.FQI/B`\+W)D9CI!;'0^(#PO9&,Z=&ET;&4^(#PO<F1F
M.D1E<V-R:7!T:6]N/B`\+W)D9CI21$8^(#PO>#IX;7!M971A/B`\/WAP86-K
M970@96YD/2)R(C\^_^T`2%!H;W1O<VAO<"`S+C``.$))300$```````/'`%:
M``,;)4<<`@```@`"`#A"24T$)0``````$/SA'XG(M\EX+S1B-`=8=^O_[@`.
M061O8F4`9,`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0(!
M`0("`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P/_P``1"``H`AX#`1$``A$!`Q$!_\0`:@`!``("`P$!`0``
M``````````@)!@<"!0H!`P0!`0`````````````````````0``$$`P$```8"
M`@,!``````4#!`8'`0((`!$2$Q05"2$6(Q<Q(B08$0$`````````````````
M````_]H`#`,!``(1`Q$`/P#W\>!X'@>!X'@>!X'@>!X'@>!X'@JRMSFCIHKU
M44N"NCK?>N9;<O'F\VAQB</F3!2KZ6)KRJ2S.(BDTET0TY#2#ZH]VR_Q-Y,$
M)J87VRL/8XR$A@L1Z"1Z;(2$B\DVU;[2,V^W+*S\>O7+ZKW-<CA<;@`FJ<94
M("K'$VBGL4<G-FZ6%1^BR>7R^KI-BT#'^=J>Z,C?^W!U\64;E8BP@;=>-J!I
MA)FA*%E7,KLS8NP'E74F-%1)7$8*@L(O@BH<7IJVUT1'-ET%%W(<#-6=3CJ!
MH*&UO9JH:U8[&WV+;EL])DK,7,GWU*35BY3<.R$B!OS6V;@*#UVB^KS1!BFA
MIOJCL@EA'P3#A38\RAL29RE?+J3M(P!;2-SE?1SEP>0%-$BZ^7*>B>CC*Q#1
M3;Y]==<;_'XXQCX_#P0<!49-1W7\GM"3T^WF[LO8>LAA?1V;3R`6KJG/]1,8
MM_IW6$,W.Q\SEO.FSYQ^%V9YC3W\M^:7>:E&^C?P9N*C76WYKJ%<T9#9!63%
MY0XH5H.D6F'U4R@$U,PZ*#E,+#M$4F\V#Z"3ZJJ:KE-@7T?:[_\`55+7`8A&
M:IZGB7/TMA,@G!RPIRG9D-,M24>FA6/R2251HVKIU/(=#9;-)9)9'#I*0V9G
M6R+@A(%,Y=K;J-'HMLNUU'AFL8'=)Q05SJJ2%2.7)CS]C,;1`9G44?R`/#9(
M]*;59O+I`;=B&<\+UV`W9-2[IDLNZ>OD55TOO/GRKN&1V3".@9)';H$PF>O8
M4:D5S4X7JJ4,G0IZM$JY")4=O82>1A-DNR79/'P"4Y<C%L9W(H.U$]%4LN=-
MTPU.5C7<Q&D:;;#R,0"71'98?LBV=,3-P\C\E1C\J*%X]3`8UD'AVZC$X'E$
M6F7KA!MLR8,,:K;85W_D+`=<YSKKG.N=,YUQG.F<XSG7.<?'.N<ZYVUSG7/\
M?QG./!^3E+9PW70U66;;+(JI:N&^=,+H;*:;:861RIHIIA9+.WS:YVUVQ\<8
M^.,^"FW]//ZK;%_5Z!Z@#6!U_/.K]^@;G_V@*<3$.\"Z1+5)(LB]*NDGTHE*
MA.?3O8FDK('R2C9LYW'M<)HXSIMMN%S'@A1UK2]LV01@KZG228U63LI%0UTK
M+2!8$H+H*TW`1[-9S&,::*ZO;)A&\4T2!:ZX14UP8=[:K:?#X9#-[5A=U$1%
M_!ZP.[1]([SU&XA2:B)C['6,VJVWMMN5-(_2R@\%Y39%HW\'.%]=M\-,83V3
MW2SOD-2*5CTZ!HEI#",HDUARD)<LC)'',1GS^'2F<5$\<25Y%`\2E\EEBDLC
M>P8D4#J/FQ&58).60MZT3+:Z.4/@&YJL%7UHUY^>V-N@P>":.E@FY0K:1I'&
MZ]K.W%39C+K[[Z&JA[=FU$2'&SS7;&NNSG;X_/E77;`1]JRN^X@=1VE$[%GR
M,FG6E?U`'J::ZR4;J:>FV@AP0L1W*OM0K$8/DH\V2V%[OD--VYEF/;/?D176
M72T#?3P-T9_]/C)@T(!,\\I1A:`D87L:WP55?N1:TM_VWHQRPPWR^9R5LVC6
MC3+GZOV2J[KY/E^7XA)WP05_97Q[)N]^)KSY.B%U2'GX_;@,.+9V;'62Y-8;
MH(DP61.PA<8T*@GA*+RUH(W%E$$7C=11B[5Q\=L?%/<,UX0YID/'7'_/W,,J
MMN0WK(*5KT="B5JRALHQ*RI1FX=N$MM&"Q$PX8!PK9UH.&MU7;I9`:T03454
MWUVWR$M?!3WT/QYU!.;QL.1UM)!XNM3AF,(QI%2=FA;QO'>D@P:G>T%7`I+&
MZ"1"O*^KT5*8=C&V?KGRSU-'+7.-E-PG!(0G1FG2,"DL5=`T.>(_'-X5*86L
M7T2)G%9&S*E'T_;,\LMD<.X29`Q\>Q1W<Z*[,7A?.--\J(?`-1@(-UFW=]D(
M[F#C;,RB\YUH`W(IVS*ZB)H27G^8;_6QC,H_%@HR$8$`VJ:VXV..4LH81=-B
M2R*A=R&Q@4.Z>9A2+643P7))#OTK#Y(@:!,](>+7HQHE!\2(&UCSHQ+%A>BF
M6177=EL_<*N-U-E-=],*ZZ:!U%?PKJH)T5+34KF;<]0T@<7$;CPM\7:JE(23
M>N*D$US&VXIH.;9,1!R("FRB.RKC#T217>([[+(/&N&@8Y0T!Z/UCURQ.X<S
M,9H9@\,8@):O<+LV?.6ED;,&EGRB'/@QYXYKZ'$RN@EX%0:I`<-4%\HX%-=V
MZBCD/TF]:7^.H>AXH"(V3,)#&@J*5P-(W<^8M94FE+N`DD&Q9*UI(]14>A05
ME/-';MM]REAPST3QHDY00R-=!PG<![.5F-,'HG88QV*"12BHS=4>P39!04M)
MIVY%#%U3J-:8![/F$@%PT*XT9-]L(,BHLB]8[:(N<M%T0FF)-/"1:4#7$>,"
M&T>)L1[`N0^QP/E2#L"*,+$P.&SQP[^Q8.R2C!7+E)OO]VT5^379/&N^P0E[
MLI,_<NE`[M:/1Z(B$$LZ32.<5>M.@L!P^;$JCL"*Q<]H5/%0[+?>.S`ZR7^*
M2NSQKC/W#=-15+77P2-HP!9-?U+2E?V2^7G4V`UN#"V'/TC&"+525`0@EHZ6
M7>FMV<DDFQ=[E;5-_NW^NX^AE=UA)17X9",'(-&3:J9O)R,\I]`5.7@B7-;(
MZ,3M3)E3H>0D[!W-QH]FOV3EQOKAO'LJ;_7.),'49^I@.)T<#MU%M0GX)=/'
MPL:](C%PK]VP:.7P9RX9O'(EVNW35<C7#L<NZ'NEF*VV4ME$%%$=]M<YTVVU
MSC.0[#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\&.R^4"8/$Y/-#VSK0'$(
M\:E!G=BR<DGNHD`-<E2.S,<R36>/W6K-IOE-%+3917?X:ZXSG.,>##J>N2#W
MI#4)S`7)180HYPQ<M3@0G'C(Q_E@/*ZLR(LJW;N$E%199JY2WT^=%9NX343W
MWTVQGP;3\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#
MP/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/!YNTJ5F$U*R.=
M:\@=-0FIL2K<-,^9CC5T1D5@CF5;](B*VNV8R<I9QK>W+I+V_-0[\J_T?9_K
M#!,(LJY=*BE'K4)5<24CTI`[YBA:Y(Y,?]@AH-<[/I&Z"I5(C$KIWD[RD5.?
M!((KJ8=*2EU``4=,M=<?:(8`[H/M<YT_*XW>!W7[/:BL"PY%51^'5/8UL+1N
M$6<,CH,3'6T_K-6?GG40<QUM)0HFUJ8LBFY^YW!_)'[1!F?EBJ&Y#5SIKE=#
MZH8PPL#]C0&:Q\V7AEON@@"R23OHJ'M(]6DKB;.`[W<&&5:#Y?+(LA\SL=HM
M1KUVYEKMWNJ2PNU37_\`*_V59[!&>/UO^S&1'S%K'#'3,<MX11=DVA'![K:G
MUH6E:A+ECGMI":E9Q]<:9AK5M);P@AI$\+:_#&CE#*B;QNB_W7<AZ)7P[^P1
MUV))JD1_YH,L/(+!2A$$699(LMF[I02:$.VI4.0;_6VR@Y;+IN&ZF-=T]]=]
M<;8"AVNN9[[&Z\L1^9U59AJ31Z&<E1Z,2X](-9,,J@37W1%LR'L438Y\I+GS
MG[NX>?30<2ZW<X(*R_7=)FILKLUWSH%\@./`(RRU&QL&'CX[7Z'RCP8QD)9:
M_:LFHUM\K5@@W0Q]N.8H-]/^O_1%'33'PUTUQ@/.]:U!],L;EZ1.5+6'0@>1
M2J0V?)#ML#4A@*SQT0<6;$)@#'57>4=L]W%;[ATI`!?L8[!CT*3.PD9ONT3(
M-]VF$R0;IRZ_:X*EL`6''ID8:2M\4D+5K,816I``(-YZ#G`HE`;"1AHJ+[1:
MNF?-H^-.!3UR^P2^_>D76%WQ)-$?L'64Y*>]([+J4NGJIS?KJ!UPK9BEFQ6*
M0H$R15/E:!$O#S.1Q>-ZY(6#!Q]FBW>D7=LF2"#0HME!HY?,UFRF@6L];Q,]
M.^9[MAD9'V$5-2:OS@9H-J>2`(E9+Q-\AA!ZA"C<J7:1E*0;L-E?MVY!=LS?
M;?\`F67036V5T"GNJ5>XZ5BAN.5!0D[BM?RE66,*X0A]3!8!HO/74GYG^A/)
M71D]M&S&?/L?:Q9O/6N[<:4;@32S18JF*:D"#71R&(B0_P"T^O&Y-G$$;<"_
MV)*-%MVNT6@LQC<1F"%`58#KN.0F(LM6@437B]G!9=O+V7W;%KH]U'JNGK)L
M^W=*!Z(WXO8Y'G@4JX>M-RX=<82=1\F2`$6VS]ELU>.`I@6]0+AGB.5=MF[E
MNXT<M]\:[IJ8WUQMX/.VRYA[&#(<VZ#X?/WTYB//U/P*KUI:LC*0U8V"(MVY
M7-XS&?6JXGN\QKV5Z5K(8L3;$FVI#,S5$Z""&'Z'UVFX8HES!T9^'/Z`J"N<
M+#B5.N(91\)<EFR1FK^\]JZH83CJ$SC^Z[ZQ\%F61H[\\N^NM]1ZV(D/E4P<
MU</0NZ[B>3$?R7>+N$KE&QA*&YP4?`LJIG6$(4*#4K,)@=V^<.D3@ZN=RJ[/
M='_/HY3TRE_DQKX*R2=:,)C9_1IK/(]_`J\3;GX2$8BXUBP8]>/W-E@#03I>
M;ZD+7;C[SB4,.#&:L)K[7"FK"#Y>:;);)N4@XT/Z>5J=LA_<E*1ZUZ(Z%IZ2
M5Q1(:)V%>F#I\V\O"1DN?!L&6!$;?%684>5U7T&%)HNDPS'ZBZ]E)[OFZK?[
M'8@:#`@'-/1$?6X13,1&9ZD(967-8"SI18BKHV.J"%5985C'.BV^]H_[3SJQ
M,VY4QW4++$30PG_9D?Q?T'+E1LZW&A;AQ`]FA'DJ@WL^5*N)"O7@G9)V>RIM
M('T7UV7T@A&1;+YRYWD1&#ZCEW^RW^?9XHIE3_)G;P2H\%4O<W'5C=8]`U:R
M#X@P:OA'.E\1PM/K"A,GGS>$3B83>EDXR8KH;%+=JA]'+9'A!11X+,*[OD6V
MK7?7Y-,[_P#<,.Z<JM\>GD?7M'GGHWJ^JP%`N*BJEC&RS-&5QCH:,2J1#SMK
M'TMIK"4X_(K;CFH%4!86JF-8_D6\WRN+^^Q]R%D7/"=A#Z9K>,6VN3)VK"8)
M`XA9<F(:8V;3.P`\&C6)E+`;_P"">3`8M(UW.='>4D,JK:*_X]<8Q\0HKL:E
M>UHUVKT1<%"59+W4Z7M&V)/!Y21@\>!Q<Q`BO'(F&0]3>ZC%M[,IZ,&6RU2_
M%5^_BJ8_^P)HO73ENW:;.=PE/#91^P=S=-4_CV5\K<P:6P_3GQ"RX?28VWWM
M-NVT(9UN[=#V[,:];'];J_LR$MU3:(NT*K38O$4M#&^BJ@3Q[=K>16WR)TC`
M(;K,EIL?I:RF\%90&8G8))BDWUAQE2("&<ACQN//=$2DAU;H+-U7:;-VEOLB
MY^9#??7(5Q=,U[-&704PLJ-<C7A;H5O5,OC-OPR/E](\-O\`_+,Z87K9Z%L1
MI96'A>)C9%$D@S^!*C&[0:*UD17=JMEYJW-!KZCN>+S"6S2QYO7=M,W>;`J^
M80^9FPZD$B5&50UF%_G.EJ38PYY,3I"O8`5VEC(7&H^KN05*!7`/;93?\1ML
M/#T!^!X/.*EQSUW!".ME@X)''QJ63+LEYNVA<(3#6G]_,.A#1ZL6W1,IDML2
MJ)W15QRJU7;T4FB"%N0AQN$SC7Y-5-=`V/(8I^P><'X]/!Y3J".6K5-#=2ES
M";R/\_C:Q>])+"8R]@%;5CHHQ)/)K3LN.1QLDV5(-]OF8((XT+(NW1?34,Z*
M-?VI-G4IEL9E$^)R'<L[.0^NI,$HMK6'Y`AV#9$!&14NX'15K+T8&(Y5W"&E
M,X*_D/K8T>[NE'6JC;8.G8/?V:R-`^^`FNA@46B533B90A&=P[GD18D^OT$$
MYX<-*_G0YO&7S'%8/9>^F:0O0?\`C%7Z6CW7#[+!`2LH&U>6CG1`/J&337I&
M/7LD[L"N:]IC?<['XYO58>X!]G]'S,P/J="&_P#I_P!6,(`U%[IR`IJXV61<
M,4UG6SS9VDD$P^Q@MEM:_C%Q4K%#UA6SSU.!MHQJKXX5&AR5M@-AI6&V/5R+
MLV_&@,/Y/7LJ(J"LOE=&J1YHP6WVT^E\^H5\BZ+[9KRSJ8LY@$5FC#FY.$"Y
MTW7GQO61W7(NC#Q*;]R2V#Q#3Y8I(XXR)SX.M'$S3UBY&NX(LT8Z?07U^J%A
M/;V5L<]2/5K0TLZ6?;GH;H/J",/'C9H>??V<9LU)SIHR,AUI!6T55UP4."O@
M]_*,F>S7#-ULKJEL%4A6D)C#D:.)QWG/J^W%(#2T\$7`B\33KB97=6!ND9H.
M!UY%Y<C=2I6JL1FS'"`)A7&SC5/9)ZW-*O'&1VK_`'#=E5T/9K6!<L36*0.X
MH])(KTET'/)/3+DU(:7KBNH]8?-?08X9"(W!%)40#I5V%L<E'18$V]9N7S5^
M^<%&[,<FZ6:(!^/ZTZ;ZRJV$22#3.'IB8+)Y!%]IM(YX0E%0S]KKK1\.B<F2
MK&`Q4C/VSN5BIH#6W,S5R;$J3(JZ7,)::J8QNJ&OGE`7!'Z;Y*C2=*7B=NFK
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M992](G8O0&MQ+1)K`97#0A=>+QJ.'FSHS..<S"@">`5%-TR`-<Z(E.^2^H88
MZ;B$U$6BV[?5J\=!)?\`9)7MBV=0L;B]=!RI17-Q0`O+G(V&I6LW"0X+@R1>
MDSU&+22((WI'G!E!@P<QW8BVPGA[J5_RY&805"N&IJ&[JCY*%O(K64AB/1["
M/,D#=GVK9SHG!DZ+<\GU15XBJR]F#VD[=R&=Q6Z1)"0M1VX$@V:R!@N2<?.W
M(;KO@RDS2W>;S]43?EV'UBN`M]C75NBK"#F>@YBG,9)!R3F[=8/%H->R,$*&
M#UG24J.`;FL/4QF5@Y'=+!)NN[^NV#IK$J6T[%NB22%?EV[($E#B=<9NIH&^
M_F8#KZ(9L.AI!?3!>;$92T2E%;16,Q9Z*@T)U%L5BC)N4V^V9ID$QBX=K<-)
M=)R7F'FJ!K5Y:S\+6D@NH])JUWC86R"6PF<A;<SR=$3@@Q.!+,^UJ@82"A2Z
MB9%1Q&".[1X@X1W98+,`Q)USQT@[/1LG.:,L-_N+G$OD7=H\*6<2V.=*020=
M'0::4A"*_5*2QR5N`-3-3,731=HZ33<I!F:XA75PJ]RW6#:?(-!=(0JW*.?V
M=7UD-)Z"FB<A,6F;/H&8^`XYVY-*0:*\UG9!I*G^2TOBO0#@>\>!]47.%'[1
M0W]PMK_FW"]7P/!Y\JVYMZMY-Y#KEY7<3=9O:S1L.:661IBJHY';3ABX>K;#
M-)#;@,R&5W$K;SM]:CH4T5*#4`.-'F^R[U9(<L[UP$K^7)3WB8M`@XZ>&6P"
MK4K&:G<5RTCT6J!'9K8NK6'Z]#B[2_%H%38N"H3MRJG#%$=M%EHO@HHX7V<)
M,%<ANK]C<#L6R>>6,5K@&4-.E[:JTI*=QL:3L9,/"P$E1.&B1JF%CT62O..+
M*CT&3^+;$6N'+9YL[^*F6?T%0K*IF@^Z(NI7ZT7K*0QCI4,'9(N+4MBPW+V`
M(\_8Y&@M4!JPD$]'ISMV^F0:]ASF4MX]D(5;CSK91ZONLW<;N789L^I?O%?]
M5#KEN)UFZ`W"C$KR%SH:;Z$F7]ODE<'#EZ[PZ/0B^D(&2,F+4E3]N!_)Y>(#
M=E0A+?Y2+-RYU4:ATDLJ6UY_:,N,N.8;NKIY$F59MKA;A57TL"=>1;%F\YR3
MHL3M8)"6,4CL!!U]#C`&!0W4:.6)M\$\_18)D$V"P=E<M(=%27FWG^#-:UM5
M6*5].NBI:2J[>*A;!?H1:QEKR5X\AAJ.EYR*:$6541\D"$E$DR&SB(.UV#A%
M9LHP_)C@U\AS7?PN?R4L;H:<2^*S*RA-C]BBBD,C:\A-@6]MQ0\QJ"FK%'3H
MI(.DZE7$N';YX-+ZY=Y"QUFU7U2>NUQ*X9!*N([QE%<U8595&=`W56'+,N/2
M:P&\I9-K.GYZ5K.ZK@O-.TV1DN'1`U#N:'DC'E%UW7VF#3H&JF^VW2W73#T.
M^!X'@>!X'@>!X'@>!X'@>!X'@>!X/F<8VQG7;&,XSC.,XSCXXSC/\9QG&?XS
MC./!\TTT3TT33TU333UUTTTTUQKIIIKC&NNFFNN,:ZZZZX^&,8_C&/!R\''?
M3173=)7311-33;11/?7&^F^F^,Z[Z;Z;8SKMIMKGX9QG^,X\'+&,8QC&,?#&
M/XQC'\8QC'_&,8\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\
M#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\#P/`\
M#P/`\#P/`\#P/`\#P/!3!,OV(]2M+QL'G>#<R!"TX"2^P*TA$G..IDSA,DL:
M&-3-Z,0[YRU&[8:AI!QXXCYE$@FYV1_N!;<7CYL(9QL&N!W[9N@);&#T^A/*
M>ZT4%.XHZ#CCO]V8R>61?JI0I&^"3#-#`--(2YL&>M6;:=(*IKYBS(@FMMG'
MR;?,&^=_V,6+IRLATIM3@S)'_9&D9<U%J]/YL+,23(:46\DC8%^/_,[I)]=;
M_A]'.6GVF8MG#[.?GS\?!%J9_L'ZKFH"/G&$-?TB3<#S8L@,&-G)_9*7U=(1
MU67.+5926+K)N!@V]1LF&!B:>R?Y`*&;N\)YU>?-J&90K]F%J1\Y5\(/A`LC
M+2"VJ]@<K:2?YALO."[,N0;4#640Q5R2A;79K'<:NS#M@%#RU5JFE\A#(EJJ
MU>KA\8?LJZZ85^SGTEJ6A7.A:#P(^Q#-']B11)B;M;CN;]51Y$W*)2X5!C0<
M(=0)4`4<NOM$7ZQ%)=18.FW5^J&81;]AW2MHN8!I6D)J1`9(2%2PT\7G45L1
MHYTF-M7?U!4&2P=A%IG(XP\BD";T&S(KJ#I"<&G<D]M6)C1KE!]L&`O?VD6E
M8E>18.#C,>K6V9@\BQ=V"%.7QN8Q:"N:LYCM/658CYL4IG("4'+=+@$'CIMH
M@J@S^*&V722^$@Q6/?M)Z8BD1)"2%5`)S)8=4$KE7WDV+@XK*9Z2'TO.+>&6
M(/CH60MY<]KAE)`3>(O$AD071U<(NW&2R;E'4<L$Y"7:EC1&J;`7FXZK!EJP
M+ID?0I209WD8JKA4'(3.LP)'H$\!)EMI2PK^#C[0:)$_B3U9_D$M?JD&39?9
M5L$;)'^T2X!`.<D(_%*,GQ^.")PQ`Q&*/[)5('T(K00^WP72NBST<W)__,\X
ME;S2+--]!N5=7[E#+8H04SNA@);\P]/7O8]T'*KM^*5NS8(#.A?PT@K]C-AF
MV27.G03.D";HJWE3TFVPRL-L9;EA[9!;;<<FV53W7>ZJZJ(A8CX'@>!X'@>!
>X'@>!X'@>!X'@>!X'@>!X'@>!X'@>!X'@>!X/__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g388224g53o80.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g388224g53o80.jpg
M_]C_X``02D9)1@`!`@$`8`!@``#_[0T,4&AO=&]S:&]P(#,N,``X0DE-`^T`
M`````!``8`````$``0!@`````0`!.$))300-```````$````'CA"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))300*```````!```X
M0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&
M```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4`
M```!`"T````&```````!.$))30/X``````!P``#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z`````#_____________________________
M`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`
M````.$))300:``````!M````!@``````````````0P```(D````&`&<`-0`S
M`&\`.``P`````0`````````````````````````!``````````````")````
M0P`````````````````````````````````````````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"G`````!````<````#<`
M``%0``!(,```"E0`&``!_]C_X``02D9)1@`!`@$`2`!(``#_[@`.061O8F4`
M9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.
M%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`S_P``1"``W`'`#`2(``A$!`Q$!_]T`!``'_\0!/P```04!`0$!`0$`
M`````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)
M"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D
M%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-U
MX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$`
M`@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D
M8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4
MI(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1
M`Q$`/P#U5)>:]4ZQU>OJN;77FWL8S(M:QH>0`T/<&M;_`%55_;?7/^YN5_G/
M_N24^J)+@Z,SKV1]6#;CVY=V4,_:75[W6>D*YVZ#?Z6]7_J@_KSNH7CJ?VOT
M?1&S[2'AN[=^;Z@^GM24]:DDDDI22222E)+@>O?6+KN+UG+Q\?,=534X"MFR
MHP"QCN7U.?W78=#OOR>D8>1D.-EUM37/>0`22/I;6!K4E(NO=>Q.B8?VB^;+
M7R,?';].QP_-;^ZS]^S_`-&>G6L?J5/UY=3;E_;,7$IJ8;#50"7!K1O+=]]-
MFY_^8MJWH/3K^IMZID,-^36&BD6&65[?]%5]#Z7Z3W_X1%ZO_P`DYO\`X7M_
MZARCE&1LDT!\HC^UMXLN.'MB$!.<C^MEEB)Q]7Z&./\`5_?>`POKK]8,=S76
M7-RZ^37<UH)!\+:6UN;_`--=UT3K>)UK$^T8\LL8=M]#OI,=X']YCO\`!V?G
MKRAGT&_`?D6O]5<^S!Z]BEIBO)<,>YO8A^E7^9=L4./+($`FP>[K<]R&*>.4
ML<1#)`&0X!PB7#^B8O\`_]"/6->K]0'_`'9N_P"K<NJP/KOTK&P<;&?5D%]-
M3*W%K&D$M:&.V_I/)<MUC3J_4#_W9N_ZMRZ7!^HV'E86/DNR[FNOJ986@,@%
M[0\@2SS24S^LW5QG?5O&S\)UM#;<H-&IK?#?6K<'>D[]YG[RQNB9>6^CJ^_(
MM?MP'N;NL>8,_2;N=[7+6^M'3:^E?5C%P:WNM97E`A[XD[_7M_,#6_GK$Z%_
M,=9_]-[_`,J2FKB=6S\.]N2S(L<]C7!HL>YS07-->]S'N+7;-VYO\M7.G9G5
M.E59N>YMS,C(K953?D->0Y[W[GV;KO;8]M3;+&H'U=8U_7NGM>`YOK3!\6L>
M]G^:]NY>@=?Z2.K]-?B!XKLEME-A$@/:9&X?NO;^C<DIX#IO2^I]>OO]._?;
M2T/>^^Q\G=N#&M^E^Y_UM6.BY?6Z7NP6MR#1F5V4;'A\,L<Q[:;*['_S/Z;8
MU_O]/8JV5TGKG2+/7MIMQ_3XRJ'$L`_XZG^;9_Q_IK8^KWUNZ@,VG#Z@_P"T
MT7O;4VT@"QCG'9626[6VL<_VO_STE/.9=&5CY-E&9/VFL@6[G;S,!VMDNW^U
M=C]1\+J=(MR,D.^R7U5G%FS<(E[O;5N=Z7M<N;^LW_B@S_ZX_P"H8N]^K?\`
MR#@?\0S\B2GB*W9^-]<F8EM]VUN?]`V.+36]QMI]N[;M]%[%WO5_^2<W_P`+
MV_\`4.5+JOU=KS>J875:7"O)Q+&&V>+*VF=KO^%KW.])W_6_^+N]8_Y)S?\`
MPO;_`-0Y11B8B8/T;W,9X9I<M*.D@(QF/ZXD^1L^@WX#\BT.@8[\GKO3ZF"2
M+V6GR;2?M#C_`.!JEA8^1F.;3AU/R;2![*AN(\W_`)M;?Y=B]#^J?U8/2&.R
M\LAV?<W:0TRVIGTO2:[\][O\-9_VW_PD&.!E(=NI=GGN9A@Q3L_K)`QA#]*Y
M?I?W7__1CUG_`)6ZAH?Z3=V/[[EZ7T;_`)(P?_"]7_4-5:CZQ8-QU;96-U["
M7-GW4658VP-9O>]V0[)J=C^G_.*0^L'3WW^C6XN$5N-IAM>VT6.:X/?M^AZ#
M_49_ZD24YGU^_P"1J?\`PRSC7\RU<ST'^C]9T/\`R>_L?%=Y^WND;&/.2T"P
MD-D.!T-8=O:6[JV_IZ/=9_I:WJ?[7PS?7CUN-EEEOHD`$;3MOL]3W[=U3OLE
MU?J5[_TB2GSSZM?^*#I^A_G3V/\`H[%W'UKP\S+Z.\8)L^T4O;:UM3BUS@WV
MV,!86[OT3G[6?GO1G=<QV9%S'U6-QL=SJ[<P@>DU[&MM>QWN]1OT]C'^G[[O
MT2D[KW2&[=V0`7C<`6NF`YU/N;MW,=ZS/1V/_P`+^B^FDIX+I7UHS>DNR*W'
M[0;@`ZO*>^6.;/YMAW[7;OTE:?ZK](R>H=1Q[:V$8F/8VVV^(8=A]1M59^B]
MSWMV_H_YMB[MW5.BW.JWV5O-C=]9<TF`/4^D7-_1O_07_HW_`*3]#;_HTUGU
MAZ4S&?D-M-C*ZG7`,:Z7-:WU=E>\,9ZOI?I?3W_S/Z;^9_2)*>'^MU%F/U[*
MLM:657%KZ['`AKAL:UVU_P!'VO:MWZB=6RLMEN#8YC\?#K8*2T>Z"7B'OG:_
MZ*WV]9P"]E;[`QUKRRL&==6,ET#]%NLMKJ_3>G^E?Z:)A=2P<_?]DM%OIAI=
M`(T?/IN]P;N8_8_WI*;28@.!:X2#H0>"$Z22F+&,K:&L:&M'#6B!^"DDDDI_
M_]+LOV-C&W?1U-@L;4]KV^TM+?7KR['6L98Q_I[-F)?[_P":V)F='PO1J:_J
M53J!54V6AC9:TYGHO8[U',:U[,B[\S_M/_77SRDDI^B;.DXSCD'(ZC5]HLK>
MW)(#6@`C"#7^DZU[J]E.-1OWO]_VK?\`Z-B)C],HKZIZSL^NRUMP<ZJ`+"Z,
MWTF6GU7?I/2RK?\`!L_1XOZ.MB^<DDE/T;D=)JM.4X=0%6(^XV.K$0S)/I,9
MZ]GJ;;*V6L99]EV5O]6S^=_FT*SINRK(=CYM-F59;CFR8:UMC<Q^07;/4>[Z
M=CZ*J-^_?3Z?J^JOG=))3]#'H^)^DW=2JASB[+T;K?ORGM<W]+^@;Z]]OZ!W
MJ?T?T_4_G5+J'1\>R]YR>I5UBRFP,;8!O;6<9V)=Z;WV[?0;_3'?HOI^IZEG
M^C^=TDE/T7;TNAV2;+>H5!Y>TY;(`W`7575,9^EW8_ZQ7Z7N]7^=]/\`G%=Z
M3A4XS@:\EN2?LN/5I'T*SD&J_P!KG>R_U7[/^*7S.DDI^JDE\JI)*?JI)?*J
M22G_V3A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``
M(``V`"X`,`````$`.$))300&```````'``@``0`!`0#_[@`.061O8F4`9$``
M```!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P/_P``1"`!#`(D#`1$``A$!`Q$!_]T`!``2_\0`M0```@,!``$%````````
M``````D'"`H&!`$"`P4+`0$!``(#`0$!`0```````````0(#!@<("00%"A``
M``8!!``#`@@+!`L!`````0(#!`4&!P`1$@@3%`DA%3%!(K46MA<X83(C=78W
M=[=X.0KP424F@:'14C1T13:FUE<9$0`!`P(%`00'"`$%```````!``(#$00A
M,1(%!@=!42(R87&!L7(3"$)2,[,4=#8)D5,DM18X_]H`#`,!``(1`Q$`/P#?
MQHB-$1HB-$1HB-$1HB-$1HB-$1HB-$7M,8I"F.<P%(4!,8QA`"E*'M$3"/L`
M`#X1U"0`23@J`7$`"I*4OD;U!,M9;M>2<5^G+A^`[#VG%1HIID#)EFM]=@L9
MP#Z</*H1[6MMGUEKCN^*'6A79!<(/6S4AVPB3S*0@<>N[[F&Y;A<75APW;6W
M<D--<KG-#!6H&@%[->1H[52HP#FT)]><:^G?B'$-HXURSZD^9W''-JW8/=:6
M4-O-+>RMB$9>Z9S(9FVH`DC.AT3Y"'@.^4\%J4=VE[;^M!UD+7;3F^UQ&+H>
MY2<A'UEC`U_K_9(Y9Y&((/'K4B4:PMLLFF@@Y(/)XL;D`[`81WUP/>=]ZB;0
MZ&7=+E]NV0G0`VW(.FE11H=E4>9>O^E71_Z)^J!W+:N"[3+NMY91,?.^6;=H
M7ALA<UKJO?;L)):<(VBE*D!>?UU]?#-58F(^*[)TJNY,J*BJ23^S4J.0J-]C
MDS&*55\6.37+4)X$B!N#4J$6)Q'_`(@/8&M^T]3]WMI&,W:%ES;]I:`R0>D4
MHP^K2VOW@OS=1_Z_N$;I9W%WTSWNYVO=P"607+S<6CSV-UD?J(J_?+YZ?Z96
MG?"N;,9]A<=064\26AE;*;8$S^6?->:+ED]0X@^AYB/7*F\B9F.4,!5VRY"*
M$$0-L)#%,;NG:]ULMYLXK_;Y@^!WL+2,VN&8<.T>HBH()^7'-^#\HZ=<DO\`
MBG+]J?:;U;GQ-=0M<T^62-XJV2-XQ:]I(.(P(($JZ_HKB:__T':=D/6DSIA;
M/F7\2P6*<32T-CK(%FJ$9)RWTP]YOF4))+LF[E_Y.QMFOFE4T@$_AID)O\``
M&I5;`P$`J%/_`-\NQ7_QG"W_`)S_`.TZE5=`]*D_"/K<9ZRAF;$N-9;$N(H^
M+R#DNBTF2?QWTR]X,F%JL\9!O';'S-E6;^<;MWQCI^(0Y.8!R*(;AI5-`4E]
MQ_6"S7UO[*Y2PG5\88MGH&AR4(RCI:?^EGO=XG*52!GU3O?=U@9L^:;F6.0O
M!,H<"EWW'<1I*C6`BJ8/Z;O<2[=TL07/(MZJ]6JDG6LCO:6U8U+WMY!PQ;5F
MM39';CWQ(2+CS9G$VH0>)RDX$+[-]Q$"L7"E*)AVJL4:(C1$:(C1%G)LOKYO
M:_8Y^!#JXU=!"3<K$`Z',*R(N0C7R[('`H_9FKX0K>#RX\C<=]MQ^'4JMGRQ
MWIW'5O-Y^R.`L;9N4K9:@?($2^DS5LDL,X6*\E.2L-X(2QHZ)%YX@1OB<O+I
M;<^.P[;C0L"*$A1MW>Q)V"SSAYQAW`MWJ6-"WQV:(R7>K"ZG0F8ZA&2_Q&'J
M,?"1S@7<E8S&!NY.LZ:$(Q!5(#"9<#I<9Y3M^\;MMXVW:9XHFRFDKW%P.C[K
M0UIKJR=4CPU'VEW/T+Y?T[X!S./F?/\`8[S<SM[/F65K"V+Y;[NO@DN'RO&E
MD(\;`UDA,NAY%(]+O$Z.])<>='L5NJ%3Y)[:;'9))*=OMZDVB+!]9I=!MY1F
MDVCD%G)(F!B6XG*S:>,N*0JJG,J=14YAO&.,VO&K)]O%(9+B0@R/(IJ(P``J
M:-&-!4XDFN*V]=>N/(NNO*XN0;Q:LM-MMHC%:6K'%[8(R[4XN>0TR2R&ADDT
ML#@UC0UK6@)4W]0[^K'K5^GE\^K\'K@O5G\'8_BE]T:]:_US?R;J?^PM/S9E
ME<UTLOJVF[>CWW$G^O79&NXIF)113$>>9Z,J$Y%NECBS@KM)F+&TZVQQ#&!)
MHZ6E%4(Y\;Y)%62_-3D9LCPYMP3?Y=FWF"W>_P#V%R]K'@Y!Q-&/'<02`3EI
M)KD*>/OK)Z-;?U%Z9[ERRRM0.8;!;ON(I&CQ2VS/'<V[^US1&'31#$ME91M!
M(^NU;D']@'7I&J^(E"O_T>C[Z_?2[0_MMO\`\_N]8G-;V^4)@WIU^E[B;N1@
M>5RO=\A9$JTPPR/8*6G&U4:U[L.QB(2KRB+L_O>$D77FU59U0IME`)Q(78`'
M?<`L7.H:43*L9^B/@7&&1Z#DJ)RUEZ0E<?72KW:-82/T,]WO7]5FV,XT:/O+
M5I!QY-RX8E(IX9R'X&'B8!V'5HL=9[DO7U`<I='X#N!FJ(RIU5R%?[^REZX2
MQ6^&SQ*U*,FEU*16%FBS6NMX%VC&E;QJJ*!BE4-S.D)_8)MM0YK)M:"A5K^I
MO<7`'7'HKEG/&%NO5LK=-@<\1U:EZ#+Y55LDG+V">K]-:FGV]FDH!3R#5%BX
M;I^5!N<!,B8P&`3^P"H020"5TN(_7*H.3<E4ZARN#92BQ5FF$F$I<I?)$:[B
MZO&@DJY?SD@V)4F9EF<:T0.JH`*I_(*/MTJIH/>OEQ_ZS[3,G:C'N$,9X@2)
MCN[7^-IB%\M%@<H6)\R?.Q;C/-:RSC@:Q1#E#DBW7=+J"00%04S"*9+5710$
MDXKJ.T_K68<PG;IK'F)J2]S=9*\]<Q4Y8$["A5Z$PE&JAD';.,ER1<](V99@
MX3,14R+9!H8P?DG*@;B"J@83FJBP']0%;4Y-(;3ULKKJ&,J4%RP&0Y./DT4#
M#L91(\C6)-JY53`=P()40.(;<B[[A*J_+[BF)6[U9,*L>J[3M!CZKS5[:)Y`
M@\<6C'3Z6952VTZ>FHF9ETO?"GE+`S5;&;PXF;K(>(@Z(<>*@'253):K'0:T
M6.6S2Y;!9+!/$0,U)-SDM+E;&4!4S<LD_</2H&5`I`4,D"W$3`4-]M]@UBMR
MT]^D-WPB;I"XMZ7I8VD8^3HU!MLFK?U+,V<,)$L?.NID44Z\6&2<-A5+.@F`
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M?36(@)F;&8FO^?;Q7`HPO>1I$H:?$:D5PK0)H_J'?U8]:OT\OGU?@]=<]6?P
M=C^*7W1KVK_7-_)NI_["T_-F65S72R^K:Z"J/I*,M-:DH85"R\?/PSZ*,D(@
MJ62:2+9=B*0@(""@.DR\?PZ:G-\3"0\8CU]B_!NT%M<[5N=M>@&SDMY&R5RT
M.80ZOHTDU7Z5/R/]X?[?Z->QM2_S)8]Z_]+H^^OWTNT/[;;_`//[O6)S6]OE
M"YO$G<#LO@BKKTO$.8+50ZLYEW<^O"PHQP-%9A\V9,W;\WFV#E7QUVT<@0?E
M;;)A[/AT0@',)C?I\=Z.V^5.Y&#:!D+.ESM5-LD_-M9ROR1HH6,DW;4ZQR""
M3CR\:@MQ3>-$U`XG#Y1`T6+F@`X*J_JH_?\`.Q?Y^J/[MZ9H<U6>4*8,;?R<
M>Q'\6=-^8L=Z=BOVO8E:UJ"F[388.KUIFXD;#9I:/KL'&M3`5Q(RLXZ2BV$>
MB)C$)S?.794@`P@4>>P^S?453_L?^C=FW`+!MV"6S-437[%U=G[^SI5:KLU(
M":?@JU)R,=&1UH7>QXJOB2!"%*H$?P%0/9N&PC:+#6#A19Z""7F45`,<G,!4
M`IN)C%W`3`!A`VQA#X]A]NHLT_\`N?7+T^>[E*Q)%=.<D8EZ\9*AB&9V>J9(
M=S\'<+$V=1[1-")<L)1V=*W6*.DD3'%]'JO`5*J<!5,&P$OO6%7"M<0K&=>O
M10<51C?Z7G[*C6W8TNB59E?<N-%I6MRZ=PJ#N2"!E';N;BWS11DUBK%)I"0J
M?B"9P`@(``[@.]0O[ABLREPBVL';;3"LO%%E#V.;BV@K'!1;RL?)NFC?Q3@4
M@'5\)$.0@`;C\0:BV+5WZ2O2W#E2Q/ASMM$J6\<K7*C6B/F$W4XU6JP-WUED
MHE?RD.6*3<(*>5A4>(BY-L;D.P[[!D`M3G&I'8JR>O[UKEYF)Q?VFKL>J]:U
M-D;%N2%$$C*'C85]*N)>B3#@2!^2CDIZ5D62RI_8#A^U('X^NG>J>SR._0[Y
M$PEC6_*D]`J7,/J)+@2>W2.U?2W^O?J99V5URKI3N5P&2W<GZZS!-`^1L8CN
MHQ7-YBCAE:T9LBF=]E,-]&[^71@'_F<M?OJR)KEG3O\`B>W_`!2_F.7G/ZT/
M_2/4'X=O_P"-LU1#^H=_5CUJ_3R^?5^#UQ?JS^#L?Q2^Z-=_?US?R;J?^PM/
MS9EE<UTLOJVF`>F9ULE^R_;K&$$2/6<4RA3D;DS(S\43'8M*U49%K)(1KI3;
M@"EHF4FT:F3?F)7!U`#BD<2\DXGL\F];[8VH96!K@^0]@8P@FOQ&C!Z7!>?/
MJ?ZF6?3'H_RG<#<!N][A`^RLVU\3I[ACF%[1W01E\Q.7@#<W-!WE\/P_ZA_V
MZ]2+X#57_]/H^^OWTNT/[;;_`//[O6)S6]OE"=QZ/G5/KCFOJO/6_+&&J+?[
M,WS);81";LD.F_D$HAG6:.Z:QY%SF`0;(.7ZQRE^(RIA^/5"P>2#@4X"C]+N
MJ>-+7#WF@X%QQ4[?7UUG,)88:!2:2<8NX:N&*RK1P4PBD=5HZ43$?C*<0U5A
M4]ZR+>JC]_SL7^?JC^[>F:Q.:VL\H4P8V_DX]B/XLZ;\Q8[T[%?M>Q4PZ8@`
M]O.KP"`"`]@<0;@/M`?\_0.HAR*WWN%6Z#==9VHBBU1155<JN#D3;I-TR&.L
MHNHH()IHII@(F$P@4"@(C[-9K0LUW:ST<*-:+-+7+J=F'&\`2:=JO/LAN=C;
M(13)ZY4YG9TRT1IY1RBT75/Q;,'C4Q43#Q!V"?$A,:+8'GM"2+GSK%G3K%8F
ME:S;CZ6ICN3(Y5A)!51E)U^P(-#)E<JP=BAW+^&DC-@73%9(BWCMP5)XJ:8F
M`!+,$')/!]$?M[DZSWJR]9,A6B7MU7;T5U;L=.)YXO)R-67KLE&,9*M,G[HR
MKPT$_C9@%D6ZAS),S,N*($*J8!!8/&%5GXR1^L2^_II:?GQ]J+8MK_I>_<)Z
MX?HI.?7>TZR&2TN\Q5U[;4JS?*Q/4NYP<;9JI9XMY"V"`F&J;R,EHI^B9!VR
M>-E0$JB2J1Q_N,4=A*("`"&JYMH+N"6VN8@^W>TAS3B""OZ&S[QNG']TV_>]
MDOY;7=K65LL,L;BU\<C#5KFD9$'V'(U!(49==L"TSK-B>$PSCQ23-2JQ+W*0
MKR$NY\Z^CV5ON<_<S1!GHE*J[;0[BP':H*J\ESH)$%4QU.1S?@V;:8-DL&;=
M:N<;=CGEM<P'.+J5[:5H#F0,<5R?J/U`WOJARZ_YKR-L0WNZAMF3&-NEKW6]
MM%;?,TY-,@B#W-;1H<YP:&MHT)E]?FG6ZXXZZWLZA5K':G:%[O`K-:W!R<XY
M1!>!A2(BJA&-72J8+&((%W`.0@.WP:ZYZJP330[((87/HZ6ND$]D?=ZE[6_K
MXWG9]FY%U,FWC=;:TB=8VM'32LB!I++6A>YH-*BM,JI+G77TI>Y?8*8CR*8O
MFL1TU=5(TC>,MQSZGM6C(Q@$R\;6I%!"V6!95(!%`&S/RQS[`HNB4W,.O=IX
M5R'=I&AE@^&"N+Y06-`]`(U.]&D'TD9KVQU'^K/HMT\L[APY5!O&]-!T6NWO
M;<N<[N?,PFWA`/FUR:P*Z8WD:5KNZ9],<5=*L8%H./$E9:<EU&TC?;_*MFZ-
M@NLV@D9--=T5`5"QT+'`JH2/CR'.FT3.81.JLHLLKWWQOC=EQNS-O;>.X?0R
M2$4+R,O4T5.EM32IJ222?CUUJZU\LZW\I/(.1.$-A"',M+2-Q,-M$2"0VM-<
MCZ`RRD`R$"@:QK&-M[KD2Z=7_]3H^^OWTNT/[;;_`//[O6)S6]OE"T=>A9]S
M2R?MXNWU1QYJA:WYIS>JL%AY]5'[_G8O\_5']V],UB<UN9Y0I@QM_)Q[$?Q9
MTWYBQWIV)]KV*F/2_P"][U=_B!Q!]?H'45.16\B^U-G?:-=*-(*'1872IV*I
MOEDR\E$F=CAWD.Y4(41*!CIHO#"`;AN(:S6A?G\9`Q[D_KAE9[4;K"R5+R'C
MZP-W21'3<Q.+R)?E<Q,[$+K)^7E(AVJV(X:.D^:#A+B8HB`ZP7Z,PK2]S/4/
MRQW6KV.JU?JM2:O'T!5Y)[U1O*E7G+#(LF[!W).E)61?^29E00'P6J.P$,J<
M3J*_(X58AH%4U'T0>H=]J\]:.TU_@I"M0LQ4%Z7C!A+M5F3^PM9J0C).;N"+
M1P1-=*&3;Q"+5DL8.#SS"QR?(3*8X!8O/8D/=DZ'.XR[`9EHMCCW4;)UW)=S
M9"D[;KMQ<LO?[]:+E&H."E.M'2\:HDZ:K!N1=NJ10HB4P",6P8A.2]%KM5G&
M9R[6^KTM;R2&&("B7R=@ZTXA(,7D6]3?MY4J;:P$CR3QF02,LX5!%1PH0HJ"
M4H`0"E"A:W@4KVK49K):T:(C1$:(C1$:(O_5VJMUNG=_?EF48?!5ME;+DJ=Q
MH:35JE1EI*7RI#Q\I.V"JNG;B)6=N+0TC(ATZ735-XGA(F.(B&PC,%?$IF:H
M8RQ.RB(5@WH^.(ZT65"%@HE@W@ZDQG[?*M5E6T9&,6J;!O)6&191)S$23(=P
MJDV'8!*G[&`3$K[ZKVFOW2"8V6K2C>9@I+S/D9)J"H(.?)O'$>ZX`LFDI^1>
M-5$QW*'M*/Q:JA%,UR\WAS$5EE'<Y8\5XXGYI^9,[Z7FZ/6)64>G213;I'=R
M#Z+7=N3)H(D(43G,($*`![``-$J>]?2$JN!F;XV%TZ?C%LXFXMSD)3'"=3KB
M3.3C(B0BH-S:UZ^2-"/=`PD7K-L+@Z8J$.=,H#[`V*XYJ-(-[TP0RTEC&NQ>
M`VN881\==I7XFJ4]I98^:A6B$XLA'.FT2EPL4,P.F\4;(+>=:H[+&(4H<@F"
M8TKV*UNJHHXR'A[$^7&2,=E/&=#R*R:\_)H76IP5F*Q,IMS48&F&+L[%4PA^
M.B)#?AT2M%%53Z6=2*/+)3U6ZX8;BIELJ5=G)EH->=O6"Y!`Q%XY=^R='CER
M"'L.@*9@_OU,%:GO4_S-FK=:/!H3\[#P2EEFVM8KB4K(-(\\Y8GC5X\9P,.1
MTJD,A+N6<<X53;(\E3IH',!1`AA"Y*44>2N/\%9XB(>TV;'N,\K1+UD"D)+6
M^CUVU%.P%10`!H:QQ#M9%`50-\D`*&^X[:*XA>;2L&83QM(#+8ZP]BR@RHH*
MM1DZ5CZI5:0%JOQ%9L+V#B&#D4%A('(G+B;8-P]FF"5)S*E/11&B(T1&B(T1
M&B+_UG@'Q%F_&CZA6*L8JR;-P=\S!V\RI:H2N1EAA['!Y#QREV]K%,E&[]"*
M7<UEWF&D9*@6D3(F2,4ZD(U41YBH0#XXK94&J]:90)F6>U1Y:L?Y1E*'5NR_
M5:\,VL3BOL-"0<)5)S%-OK^1I&%A[,I,VN64:7>'CFTY*%XJNWR0O?!;H.0`
MRBI.>.*ZJB57,B;7'1)ZMYV2S*#SKN;!\BZB,FA#03!CVDRD^SV%B?I(?1B"
M07QHNV/+DG#)&>1"C0J0*$X!HGN7BP-#RI0Z9"SZ]`S5)KW;KE;6^5$'JF7G
M2:\^GW0QO'0[VT1D<=U/+MZWBM](NEHB,*V?R-82=H("FDH98@(37"O:K&=$
M*]D5KFNON[97;\VBZMBOM13F<S::#?*3%-X^2[0TJTT&)B6-Y\Y(1$6^HKE%
MS%QZCYXHU9)F0\50S5;C0L79+EIH,FUVK9[PA4<"W*TY\=YN[DY0HN1%ZO/Q
M<9C^+N].O$[CS+-)R$O7'=;DK39/?K2N,6;.2;R!'*RI5!3!`2FGL5PP).%%
MQ])Q/+7_`";CNKP=4SDQZN2^::'YR(F"YCI)B/X[JAD`N4EI-275A;;%UB3R
M$E$-'RRATH^0F/'3(=4RA^14G#/%0/0&61[1CV.EL41N>)!FYQ3,)=GI-NWR
MJLG;6+?MY2%$F5,?NN;>S6!#"S&S(IEKAUEB1/B-?8MND!7(XJQE6QQ;962R
M!8D:-G:9Q?1L>=P[UUOJ;:6RK0I)<[.X8Z4Q7%1Q'GE9IE*/'0S:M992;5=5
M)J<BZ+0X)I@"BE?\X*'J50)B5E*>\M-!RA*T2I]INLESCD(G%786!@(2GV/"
MUM@+[)04'9U)JUR*;;(,''MIN4W!1R_3%Z*39N\*!U$]]%VE1JV:DY''`6&O
MYM#+92=.AP3)*1621@Z_7(S)T\MV.0M,@V0&L07.M'7-.HSATEWD>JT*0J@>
M&`.[!,,>Y6%Z*8ZOU+R9BV;GX')L4-MZN9&7R0[MZMW69.[['=@&"530F4[(
MNLQC;`TI:ZQ6+<"HJA&[BF3P@$=!FHXU!]:;QK):T:(C1$:(C1$:(O_7W\:(
MC1$:G<B-5$:(C1$:(H*ZT^!]B=*\M]DO@?YCX?89[R^RS_NV>Y?1?WO_`(A^
H/OY[Q/\`J/F./R=M3L5.?:IUU5$:@1&JB-$1HB-$1HB-$1HB-$7_V3\_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
