<SEC-DOCUMENT>0001564590-20-017820.txt : 20200422
<SEC-HEADER>0001564590-20-017820.hdr.sgml : 20200422
<ACCEPTANCE-DATETIME>20200422085043
ACCESSION NUMBER:		0001564590-20-017820
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		7
CONFORMED PERIOD OF REPORT:	20200527
FILED AS OF DATE:		20200422
DATE AS OF CHANGE:		20200422
EFFECTIVENESS DATE:		20200422

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		20806742

	BUSINESS ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085
		BUSINESS PHONE:		6143347979

	MAIL ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>cfbk-def14a_20200527.htm
<DESCRIPTION>DEF 14A
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
<head>
<title>
cfbk-def14a_20200527.htm
</title>
</head>
<!-- NG Converter v5.0.2.38 -->
<body>

<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">UNITED STATES</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">SECURITIES AND EXCHANGE COMMISSION</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">Washington, D.C. 20549 </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">SCHEDULE 14A</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">(RULE 14a-101)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">INFORMATION REQUIRED IN PROXY STATEMENT</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">SCHEDULE 14A INFORMATION</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Arial;font-style:normal;text-transform:none;font-variant: normal;">EXCHANGE ACT OF 1934</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Filed by the Registrant [X]</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Filed by a Party other than the Registrant [&nbsp;&nbsp;]</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Check the appropriate box:</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Preliminary Proxy Statement</p></td></tr></table></div> <div></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;&#160;</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">X</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Definitive Proxy Statement</p></td></tr></table></div> <div></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;&#160;</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Definitive Additional Materials</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;&#160;</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Soliciting Material Pursuant to Section 240.14a-12</p></td></tr></table></div>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<p style="text-align:center;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Arial;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">Central Federal Corporation</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Name of Registrant as Specified In Its Charter)</p>
<p style="text-align:center;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Name of Person(s) Filing Proxy Statement, if Other than the Registrant)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Payment of Filing Fee (Check the appropriate box):</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[X]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">No fee required.</p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:2.78%;text-indent:-2.78%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;&#160;</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11</p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Title of each class of securities to which transaction applies:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Aggregate number of securities to which transaction applies:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3</font><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Proposed maximum aggregate value of transaction:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(5)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Total fee paid:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[&nbsp;&nbsp;]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Fee paid previously with preliminary materials.</p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:2.78%;text-indent:-2.78%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.78%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[&nbsp;&nbsp;]</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Check box if any part of the fee is offset as provided by Exchange Act rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.</p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Amount Previously Paid:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Form, Schedule or Registration Statement No.:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Filing Party:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.56%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)</font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Arial;font-size:10pt;">Date Filed:</p></td></tr></table></div>
<p style="border-bottom:Solid 0.75pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:3.33%;text-indent:-3.33%;font-family:Times New Roman;font-size:2pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p> <div></div>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><img src="gbzq35mlzuyy000001.jpg" title="" alt="" style="width:561px;height:51px;"></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7000 N. High Street</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Arial;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Worthington, Ohio 43085</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">April 22, 2020 </p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Fellow Stockholders:</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">You are cordially invited to attend the Annual Meeting of Stockholders (the &#8220;Meeting&#8221;) of Central Federal Corporation (the &#8220;Company&#8221;) which will be held at the New Albany County Club, located at 1 Club Lane, New Albany, Ohio 43054, on Wednesday, May 27, 2020, at 10:00 a.m., local time.<font style="font-weight:bold;">*</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:6.67%;">The attached Notice of Annual Meeting and Proxy Statement describe the formal business to be transacted at the Meeting.&nbsp;&nbsp;Directors and officers of the Company, as well as one or more representatives of the Company&#8217;s independent registered public accounting firm, will be present at the Meeting to respond to any questions stockholders may have regarding the business to be transacted.&nbsp;&nbsp;In addition, the Meeting will include management&#8217;s report on the Company&#8217;s financial performance for 2019. Attendance at the Meeting is limited to stockholders of record as of the close of business on April 13, 2020, their duly appointed proxies and guests of the Board of Directors and management.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:6.67%;">Your vote is very important.&nbsp;&nbsp;Whether or not you expect to attend the Meeting, please read the enclosed Proxy Statement and then complete, sign and return the enclosed proxy card promptly in the postage-paid envelope provided, or follow the procedures on the proxy card to vote your shares electronically, so that your shares will be represented.&nbsp;&nbsp;If you attend the Meeting and are a stockholder of record, or hold a legal proxy from your bank or broker, you may vote in person even if you have previously submitted a proxy. In any event, a stockholder of record may revoke a previously submitted proxy at any time before it is exercised at the Meeting.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;text-indent:6.67%;"><font style="font-weight:normal;">On behalf of the Board of Directors, management and all of the employees of Central Federal Corporation, thank you for your continued interest and support.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:40%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Sincerely yours,</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:40%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><img src="gbzq35mlzuyy000002.jpg" title="" alt="" style="width:128px;height:44px;"></p> <div></div>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:40%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O&#8217;Dell</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:40%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">President and Chief Executive Officer</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">* <font style="text-decoration:underline;">IMPORTANT NOTICE</font>:<font style="font-weight:normal;">&nbsp;&nbsp;We presently intend to hold the Meeting in person.&nbsp;&nbsp;However, we are sensitive to the public health and travel concerns of our stockholders and the protocols that federal, state and local governments may impose or recommend in light of the coronavirus (COVID-19) pandemic.&nbsp;&nbsp;In the event it is not possible or advisable to hold the Meeting in person and/or at the scheduled location, we will announce alternative arrangements for the Meeting, which may include holding the Meeting at a different location or solely by means of remote communication (</font><font style="font-style:italic;font-weight:normal;">i.e.</font><font style="font-weight:normal;">, a virtual meeting).&nbsp;&nbsp;We will announce any alternative arrangements promptly in advance of the Meeting, and stockholders are encouraged to monitor our website at </font><font style="text-decoration:underline;font-weight:normal;">http://investor.cfbankonline.com/News</font><font style="font-weight:normal;"> and the filings we make with the Securities and Exchange Commission for any updates regarding the Meeting.&nbsp;&nbsp;If you are planning to attend the Meeting in person, please check our website prior to the Meeting date.&nbsp;&nbsp;As always, we encourage stockholders to vote their shares prior to the Meeting.</font></p>
<p style="margin-top:12pt; clear:both;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> <div></div>CENTRAL FEDERAL CORPORATION</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7000 N. High Street</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Worthington, Ohio 43085</p>
<p style="text-align:center;border-bottom:Solid 1.5pt;padding-bottom:0pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">NOTICE OF ANNUAL MEETING OF STOCKHOLDERS</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">To be held on May 27, 2020</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:0pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">NOTICE IS HEREBY GIVEN that the Annual Meeting of Stockholders (the &#8220;Meeting&#8221;) of Central Federal Corporation (the &#8220;Company&#8221;) will be held at the New Albany County Club, 1 Club Lane, New Albany, Ohio 43054, on Wednesday, May 27, 2020, at 10:00 a.m., local time, for the following purposes:</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.06%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.33%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">To elect two (2) Directors to serve for terms of three (3) years each;</p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.06%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.33%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">To consider and vote upon a non-binding advisory resolution to approve the compensation of the Company&#8217;s named executive officers;</p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.06%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.33%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">To ratify the appointment of BKD LLP as the independent registered public accounting firm of the Company for the fiscal year ending December 31, 2020; </p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.06%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.33%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">To consider and vote upon a proposal to approve an amendment to the Company&#8217;s Certificate of Incorporation, as amended (the &#8220;Certificate of Incorporation&#8221;), to authorize a new class of Non-Voting Common Stock, par value $0.01 per share (the &#8220;Non-Voting Common Stock&#8221;); </p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.06%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.33%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">To consider and vote upon a proposal to approve, for purposes of NASDAQ Marketplace Rule 5635(d), the issuance of shares of the Company&#8217;s Common Stock upon the conversion of the Company&#8217;s Non-Voting Common Stock, if approved at the Meeting, or the Company&#8217;s Non-Voting Convertible Perpetual Preferred Stock, Series C, par value $0.01 per share (the &#8220;Series C Preferred Stock&#8221;);</p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5.06%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.33%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">To consider and vote upon a proposal to adjourn the Meeting, if necessary, to solicit additional proxies, in the event there are not sufficient votes at the time of the Meeting to approve Proposal 4 or Proposal 5; and</p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:4pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:5%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.33%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">To transact such other business as may properly come before the Meeting and any adjournment(s) thereof.</p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Record holders of the Common Stock of the Company at the close of business on April 13, 2020 are entitled to receive notice of and to vote at the Meeting and any adjournment(s) of the Meeting.&nbsp;&nbsp;A list of stockholders entitled to vote will be available for examination by any stockholder at the Meeting and for the ten days preceding the Meeting during ordinary business hours at Central Federal Corporation, 7000 N. High Street, Worthington, Ohio 43085. </p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Included with this Notice are the Company&#8217;s Proxy Statement for the Meeting, a form of proxy card and the Company&#8217;s 2019 Annual Report to Stockholders. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting to be Held on May 27, 2020<font style="font-weight:normal;">:&nbsp;&nbsp;The Company&#8217;s Proxy Statement for the Meeting, the form of proxy card and the Company&#8217;s 2019 Annual Report to Stockholders are available at </font><font style="text-decoration:underline;font-weight:normal;">http://CFBankonline.com</font><font style="font-weight:normal;">.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:13.33%;text-indent:6.67%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:26.67%;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">BY ORDER OF THE BOARD OF DIRECTORS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:26.67%;text-indent:6.67%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><img src="gbzq35mlzuyy000003.jpg" title="" alt="" style="width:128px;height:44px;"></p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:26.67%;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O&#8217;Dell</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:26.67%;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">President and Chief Executive Officer</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:26.67%;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Worthington, Ohio </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:26.67%;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">April 22<font style="color:#000000;">, 2020</font></p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">IMPORTANT:&nbsp;&nbsp;THE PROMPT RETURN OF PROXIES WILL SAVE THE COMPANY THE EXPENSE OF FURTHER REQUESTS FOR PROXIES IN ORDER TO ENSURE A QUORUM.&nbsp;&nbsp;PLEASE READ THE ENCLOSED PROXY MATERIALS AND FOLLOW THE PROCEDURES ON THE PROXY CARD TO VOTE YOUR SHARES ELECTRONICALLY, OR SIGN AND RETURN THE PROXY CARD IN THE SELF-ADDRESSED ENVELOPE ENCLOSED FOR YOUR CONVENIENCE.&nbsp;&nbsp;NO POSTAGE IS REQUIRED IF MAILED IN THE UNITED STATES.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:3.33%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CENTRAL FEDERAL CORPORATION</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7000 N. High Street</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Worthington, Ohio 43085</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(614) 334-7979</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">cfbankonline.com</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:3.33%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">PROXY STATEMENT</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FOR THE ANNUAL MEETING OF STOCKHOLDERS TO BE HELD ON MAY 27, 2020</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">INFORMATION CONCERNING SOLICITATION AND VOTING</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Proxy Statement is being furnished in connection with the solicitation by the Board of Directors (the &#8220;Board of Directors&#8221; or the &#8220;Board&#8221;) of Central Federal Corporation (the &#8220;Company,&#8221; &#8220;we,&#8221; &#8220;us&#8221; or &#8220;our&#8221;) of proxies to be voted at the Annual Meeting of Stockholders of the Company (the &#8220;Meeting&#8221;) to be held at the New Albany County Club, 1 Club Lane, New Albany, Ohio 43054, at 10:00 a.m., local time, on May 27, 2020, and at any adjournment(s) thereof.*&nbsp;&nbsp;Your vote is very important.&nbsp;&nbsp;This Proxy Statement, the accompanying proxy card and the Company&#8217;s 2019 Annual Report to Stockholders are being first sent or given on or about April 22, 2020 to stockholders of record of the Company as of the close of business on April 13, 2020 (the &#8220;Record Date&#8221;).&nbsp;&nbsp;The Board of Directors encourages you to read this Proxy Statement thoroughly and to take this opportunity to vote on the matters to be decided at the Meeting.&nbsp;&nbsp;</p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Proxy Statement, the form of proxy card and the Company&#8217;s 2019 Annual Report to Stockholders are also available at <font style="text-decoration:underline;">http://CFBankonline.com</font>.&nbsp;&nbsp;&nbsp;&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">ATTENDING THE MEETING AND VOTING PROCEDURES&nbsp;&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHO MAY ATTEND THE MEETING?</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If you are a stockholder as of the close of business on the Record Date (referred to as a &#8220;stockholder of record&#8221;), you are entitled to attend the Meeting.&nbsp;&nbsp;Please note, however, that if you hold your shares in &#8220;street name&#8221; (<font style="font-style:italic;">i.e.</font>, you are a beneficial owner of shares of the Company&#8217;s Common Stock that are held by a broker, bank or other nominee), you will need proof of ownership to be admitted to the Meeting.&nbsp;&nbsp;<font style="font-style:italic;">See</font> &#8220;HOW DO I VOTE&#8221; and &#8220;<font style="text-transform:uppercase;">Must I VOTE BY proxy or may I vote in person at the annual meeting?&#8221; </font>for additional information.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">To obtain directions to attend the Meeting and vote in person, please call Barb Pyke at (614) 318-4669.<font style="text-transform:uppercase;"> </font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHO IS ENTITLED TO VOTE?</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">You are entitled to vote your shares of the Company&#8217;s Common Stock if the Company&#8217;s records show that you held your shares as of the close of business on the Record Date.&nbsp;&nbsp;As of the close of business on the Record Date, a total of 5,328,697 shares of Common Stock of the Company were outstanding and entitled to vote.&nbsp;&nbsp;Each share of the Company&#8217;s Common Stock entitles the holder thereof to one vote on each matter presented at the Meeting, except as described below.</p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top"  style="width:25%; border-bottom:solid 0.75pt #000000;">
<p style="margin-top:3pt;margin-bottom:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td>
<td valign="top"  style="width:75%; border-bottom:solid 0.75pt transparent;">
<p style="margin-top:3pt;margin-bottom:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td>
</tr>
<tr>
<td colspan="2" valign="top"  style="width:100%;">
<p style="text-align:justify;margin-top:3pt;margin-bottom:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">* <font style="text-decoration:underline;">IMPORTANT NOTICE</font>:<font style="font-weight:normal;">&nbsp;&nbsp;We presently intend to hold the Meeting in person.&nbsp;&nbsp;However, we are sensitive to the public health and travel concerns of our stockholders and the protocols that federal, state and local governments may impose or recommend in light of the coronavirus (COVID-19) pandemic.&nbsp;&nbsp;In the event it is not possible or advisable to hold the Meeting in person and/or at the scheduled location, we will announce alternative arrangements for the Meeting, which may include holding the Meeting at a different location or solely by means of remote communication (</font><font style="font-style:italic;font-weight:normal;">i.e.</font><font style="font-weight:normal;">, a virtual meeting).&nbsp;&nbsp;We will announce any alternative arrangements promptly in advance of the Meeting, and stockholders are encouraged to monitor our website at </font><font style="text-decoration:underline;font-weight:normal;">http://investor.cfbankonline.com/News</font><font style="font-weight:normal;"> and the filings we make with the Securities and Exchange Commission for any updates regarding the Meeting.&nbsp;&nbsp;If you are planning to attend the Meeting in person, please check our website prior to the Meeting date.&nbsp;&nbsp;As always, we encourage stockholders to vote their shares prior to the Meeting.</font></p></td>
</tr>
</table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU2"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As provided in the </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Certificate of Incorporation, </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a person (either a natural person or an entity) who, as of the close of business on the Record Date, beneficially owned</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, either </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">directly or indirectly,</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> a total number of shares of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> in excess of 10% of the </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">total </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">outstanding shares of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (the &#8220;10% limit&#8221;) </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">is </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">not entitled to vote any of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">such person&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">shares in excess of the 10% limit, </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and those shares </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">in excess of the 10% limit </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">are not treated as outstanding for voting purposes.&nbsp;&nbsp;For purposes of calculating the 10% limit, a person is deemed to beneficially own shares owned by an affiliate of, as well as by persons acting in concert with</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, such person.&nbsp;&nbsp;The Certificate of Incorporation authorizes the Board of Directors </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">to </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i) make all determinations necessary to implement and apply the 10% limit, including determining whether persons are acting in concert, and (ii) demand that any person w</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ho is reasonably believed to beneficially own stock in excess of the 10% limit supply information to the Company to enable the Board of Directors to implement and apply the 10% limit.&nbsp;&nbsp;</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As of the Record Date, the Company was not aware of any person who bene</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ficially owned more than 10% of the Company&#8217;s outstanding </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">HOW DO I VOTE?</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If you are a stockholder of record, you may vote (i) by attending the Meeting and voting in person, (ii) by completing the enclosed proxy card and returning it signed and dated in the enclosed postage-paid envelope or (iii) by following the procedures on the proxy card to vote your shares electronically.&nbsp;&nbsp;If you hold your shares through a broker, bank or other nominee, you are considered to hold your shares in &#8220;street name,&#8221; and you will receive separate instructions from your bank, broker or other nominee describing how to vote your shares.&nbsp;&nbsp;Please note that if you hold your shares in street name and wish to vote those shares in person at the Meeting, you will need to obtain a &#8220;legal proxy&#8221; from the broker, bank or other nominee that holds those shares for you.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;text-transform:uppercase;font-family:Times New Roman;font-style:normal;font-variant: normal;">Must I VOTE BY proxy or may I vote in person at the annual meeting? </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If you are a stockholder of record, you may attend and vote in person at the Meeting.&nbsp;&nbsp;To be admitted at the Meeting, you may need to present personal photo identification.&nbsp;&nbsp;If your shares are held in street name, you must present personal photo identification and proof of stock ownership to be admitted to the Meeting.&nbsp;&nbsp;A copy of your account statement or a letter from your broker, bank or other institution reflecting the number of shares of Common Stock you owned as of the Record Date will constitute adequate proof of stock ownership for admission to the Meeting.&nbsp;&nbsp;In order to vote your shares held in street name at the Meeting, you also will need to obtain and bring with you to the Meeting a legal proxy from your broker, bank or other institution in whose name your shares are held.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">HOW WILL MY SHARES BE VOTED?</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Shares of the Company&#8217;s Common Stock which are represented by properly executed proxy cards that are received prior to the Meeting, and not subsequently revoked, will be voted by your proxies in accordance with your instructions.&nbsp;&nbsp;If you submit a valid proxy card prior to the Meeting but do not provide voting instructions, your proxies will vote your shares as recommended by the Board of Directors, except in the case of broker non-votes where applicable, as follows:</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;"> &#8220;</font><font style="font-weight:bold;font-family:Times New Roman;">FOR</font><font style="font-family:Times New Roman;">&#8221; the election as Directors of the Company of the two (2) nominees listed below under the heading </font><font style="font-weight:bold;font-style:italic;font-family:Times New Roman;">&#8220;PROPOSAL 1 &#8211; ELECTION OF DIRECTORS&#8221;</font><font style="font-family:Times New Roman;">;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;"> &#8220;</font><font style="font-weight:bold;font-family:Times New Roman;">FOR</font><font style="font-family:Times New Roman;">&#8221; the non-binding advisory resolution to approve the compensation of the Company&#8217;s named executive officers as disclosed in this Proxy Statement; </font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">&#8220;</font><font style="font-weight:bold;font-family:Times New Roman;">FOR</font><font style="font-family:Times New Roman;">&#8221; the ratification of the appointment of BKD, LLP as the independent registered public accounting firm of the Company for the fiscal year ending December 31, 2020; </font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">&#8220;</font><font style="font-weight:bold;font-family:Times New Roman;">FOR</font><font style="font-family:Times New Roman;">&#8221; the approval of an amendment to the Company&#8217;s Certificate of Incorporation to authorize the Non-Voting Common Stock;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">&#8220;</font><font style="font-weight:bold;font-family:Times New Roman;">FOR</font><font style="font-family:Times New Roman;">&#8221; the approval, for purposes of NASDAQ Marketplace Rule 5635(d), of the issuance of shares of the Company&#8217;s Common Stock upon conversion of the Company&#8217;s Non-Voting Common Stock, if approved at the Meeting, or the Company&#8217;s Series C Preferred Stock; and</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">&#8220;</font><font style="font-weight:bold;font-family:Times New Roman;">FOR</font><font style="font-family:Times New Roman;">&#8221; the approval of the adjournment of the Meeting, if necessary, to solicit additional proxies, in the event there are not sufficient votes at the time of the Meeting to approve Proposal 4 and/or Proposal 5.</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If any other matters are properly presented for voting at the Meeting, the persons appointed as proxies will vote on those matters, to the extent permitted by applicable law, in accordance with their best judgment.&nbsp;&nbsp;<font style="font-weight:bold;font-style:italic;">No appraisal or dissenters&#8217; rights exist for any action proposed to be taken at the Meeting. </font> </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU3"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If a beneficial owner does not provide appropriate voting </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">instr</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">uctions to any broker or other </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">nominee holding the </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">shares of Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> of such beneficial owner in street name, the stock exchange rules</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and regulations applicable to brokers and other nominees</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">allow them to vote such shares on &#8220;routine&#8221; matters wi</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">thout instructions from the beneficial owner.&nbsp;&nbsp;If a proposal is considered a &#8220;non-routine&#8221; matter, the broker or other nominee may vote </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">shares of C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> held in street name </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">on the proposal only if the beneficial owner </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of such shares </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">has provided </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">voting instructions.&nbsp;&nbsp;A broker non-vote occurs when the broker </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">or other nominee </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">is unable to vote on a proposal because the proposal is </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">considered a &#8220;</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">non-routine</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; matter</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> and the beneficial owner does not provide appropriate voting instructions. </font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Of the proposals to be presented at the Meeting, only the ratification of the appointment of the Company&#8217;s independent registered public accounting firm (Proposal 3) qualifies as a &#8220;routine&#8221; matter.&nbsp;&nbsp;Each of the other proposals (Proposals 1, 2, 4, 5 and 6) is considered a &#8220;non-routine&#8221; matter and, therefore, your broker may vote on these matters only if you provide voting instructions.  Accordingly, it is important that you provide instructions to your broker.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CAN I REVOKE OR CHANGE MY VOTE AFTER I SUBMIT MY PROXY?</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">You may revoke your proxy at any time before the vote is taken at the Meeting.&nbsp;&nbsp;To revoke your proxy, you must take one of the following actions: (i) advise the Corporate Secretary of the Company in writing of the revocation of your proxy before your shares have been voted at the Meeting; (ii) deliver to the Company another proxy that bears a later date; or (iii) attend the Meeting and vote your shares in person.&nbsp;&nbsp;<font style="font-style:italic;">Attendance at the Meeting will not, by itself, revoke your proxy.&nbsp;&nbsp;</font>The last-dated proxy you submit (by any means) will supersede any previously submitted proxy. If you have instructed your broker, bank or nominee to vote your shares, you must follow the directions received from your broker, bank or nominee to revoke a previously delivered proxy.</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHAT CONSTITUTES A QUORUM FOR THE MEETING? </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A quorum exists if a majority of the outstanding shares of Common Stock entitled to vote at the Meeting (after subtracting any shares in excess of the 10% limit) is present in person or represented by proxy at the Meeting. The Meeting will be held if a quorum exists at the Meeting.&nbsp;&nbsp;If you return valid proxy instructions or attend the Meeting in person, your shares will be counted for purposes of determining whether there is a quorum, even if you abstain from voting.&nbsp;&nbsp;Broker non-votes also will be counted for purposes of determining a quorum.&nbsp;&nbsp;If there are not sufficient shares present or represented by proxy at the Meeting to constitute a quorum or to approve or ratify any proposal at the time of the Meeting, the Meeting may be adjourned in order to permit the further solicitation of proxies.</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHAT VOTE IS REQUIRED FOR EACH PROPOSAL?</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following describes the required vote on each proposal so long as a quorum is present at the Meeting.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;"><a name="113"></a>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8226;&#160;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-weight:bold;font-style:italic;">Proposal 1 &#8211; Election of Directors</font><font style="font-weight:bold;"> </font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under Delaware law and the Company&#8217;s Amended and Restated Bylaws (the &#8220;Bylaws&#8221;), Directors are elected by a plurality of the votes cast.&nbsp;&nbsp;This means that the two (2) nominees receiving the greatest number of votes &#8220;FOR&#8221; election will be elected as Directors.&nbsp;&nbsp;Shares as to which the authority to vote is withheld and broker non-votes will not affect whether a nominee has received sufficient votes to be elected. </p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:3.57%;text-indent:-3.57%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8226;&#160;&nbsp;&nbsp;<font style="font-weight:bold;font-style:italic;">Proposal 2 &#8211; Non-Binding Advisory Resolution to Approve the Compensation of the Company&#8217;s Named Executive Officers</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the Bylaws, the affirmative vote of a majority of the votes cast is required to approve the non-binding advisory resolution to approve the compensation paid to the Company&#8217;s named executive officers as disclosed in this Proxy Statement.&nbsp;&nbsp;Abstentions and broker non-votes will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8226;&#160;&nbsp;&nbsp; <font style="font-weight:bold;font-style:italic;">Proposal 3 &#8211; Ratification of the Appointment of the Company&#8217;s Independent Registered Public Accounting Firm</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the Bylaws, the affirmative vote of a majority of the votes cast is required to ratify the appointment of BKD LLP as the independent registered public accounting firm of the Company for the fiscal year ending December 31, 2020.&nbsp;&nbsp;Abstentions will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU4"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8226;&#160;&nbsp;&nbsp; </font><font style="font-weight:bold;font-style:italic;">Proposal </font><font style="font-weight:bold;font-style:italic;">4</font><font style="font-weight:bold;font-style:italic;"> &#8211; </font><font style="font-weight:bold;font-style:italic;">Proposal to </font><font style="font-weight:bold;font-style:italic;">Amend the Company&#8217;s Certificate of Incorporation to </font><font style="font-weight:bold;font-style:italic;">Authorize Non-Vo</font><font style="font-weight:bold;font-style:italic;">ting Common Stock</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under Delaware law, the affirmative vote of the holders of a majority of the outstanding shares of the Company&#8217;s Common Stock entitled to vote on Proposal 4 is required to approve the proposed amendment to the Company&#8217;s Certificate of Incorporation to authorize the Non-Voting Common Stock.&nbsp;&nbsp;Failure to execute and return a proxy card or otherwise to vote at the Meeting will have the same effect as a vote &#8220;AGAINST&#8221; the proposal, and abstentions will also be counted as votes &#8220;AGAINST&#8221; this proposal.  However, broker non-votes will not be counted as shares entitled to vote on this proposal and, therefore, will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:3.57%;text-indent:-3.57%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8226;&#160;&nbsp;&nbsp; <font style="font-weight:bold;font-style:italic;">Proposal 5 &#8211; Proposal to Approve the Issuance of the Company&#8217;s Common Stock for Purposes of NASDAQ  Marketplace Rule 5635(d)</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under NASDAQ Marketplace Rule 5635(d), the affirmative vote of a majority of the votes cast is required to approve the issuance of shares of the Company&#8217;s Common Stock upon the conversion of the Non-Voting Common Stock, if approved at the Meeting, or the Series C Preferred Stock.&nbsp;&nbsp;Abstentions and broker non-votes will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8226;&#160;&nbsp;&nbsp; <font style="font-weight:bold;font-style:italic;">Proposal 6 &#8211; Proposal to Adjourn the Meeting for the Solicitation of Additional Proxies</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the Company&#8217;s Bylaws, the affirmative vote of a majority of the votes cast is required to approve the proposal to adjourn the Meeting, if necessary, to solicit additional proxies, in the event there are not sufficient votes at the time of the Meeting to approve Proposal 4 or Proposal 5.&#160;&#160;Abstentions and broker non-votes will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHO WILL COUNT THE VOTE? </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Broadridge Financial Solutions, Inc. (&#8220;Broadridge&#8221;), a servicing company for the financial industry, will tally the votes at the Meeting, which will be certified by an inspector of elections.&nbsp;&nbsp;The Board of Directors has designated John W. Helmsdoerfer, Executive Vice President and Chief Financial Officer of the Company, to act as the inspector of elections for the Meeting.&nbsp;&nbsp;Mr. Helmsdoerfer is an officer of the Company and an officer and employee of the Company&#8217;s wholly-owned operating subsidiary, CFBank, National Association (&#8220;CFBank&#8221;).&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">IS THE BOARD OF DIRECTORS AWARE OF ANY OTHER MATTERS THAT WILL BE PRESENTED AT THE ANNUAL MEETING?</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Board of Directors is not aware of any other matters to be presented at the Meeting.&nbsp;&nbsp;If any matters not described in this Proxy Statement are properly presented at the Meeting, the persons named in the proxy card will use his or her best judgment to determine how to vote your shares.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHO PAYS THE COST OF PROXY SOLICITATION?</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will pay the costs of preparing, printing and mailing/delivering this proxy statement, the accompanying proxy card, the Company&#8217;s 2019 Annual Report to Stockholders and other related materials and all other costs incurred in connection with the solicitation of proxies on behalf of the Company&#8217;s Board of Directors, other than the Internet access charges incurred by a stockholder when voting electronically.&nbsp;&nbsp;Although we are soliciting proxies by mailing these proxy materials to our stockholders, the directors, officers and employees of the Company and of our subsidiary, CFBank, may also solicit proxies by further mailing, personal contact, telephone or electronic mail without receiving any additional compensation for such solicitations.&nbsp;&nbsp;Arrangements will also be made with brokerage firms, financial institutions and other nominees that are record holders of shares of Common Stock of the Company for the forwarding of solicitation materials to the beneficial owners of such shares.&nbsp;&nbsp;The Company will reimburse these brokers, financial institutions and other nominees for their reasonable out-of-pocket costs incurred in sending proxy materials to the beneficial owners of the Company&#8217;s Common Stock.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">We have retained Laurel Hill Advisory Group, LLC, a proxy solicitation firm, to assist us in soliciting proxies for the Meeting at an anticipated cost of approximately $6,000, plus certain out-of-pocket expenses.&#160;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHO SHOULD I CALL IF I HAVE QUESTIONS?&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If you have questions concerning this proxy solicitation, or the proposals to be considered at the Meeting, please call Timothy T. O&#8217;Dell, President and Chief Executive Officer, at (614) 334-7979.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Important Notice Regarding the Availability of Proxy Materials</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">for the Stockholder Meeting to Be Held on May 27, 2020</font>:</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Proxy Statement for the Annual Meeting, the form of proxy card and the Company&#8217;s 2019 Annual Report to Stockholders are available at <font style="text-decoration:underline;">http://CFBankonline.com</font>. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CORPORATE GOVERNANCE</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">DIRECTOR INDEPENDENCE</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors of the Company has determined that each of the following directors of the Company is &#8220;independent&#8221; as that term is defined by applicable listing standards of the NASDAQ Marketplace Rules and by applicable rules of the Securities and Exchange Commission (the &#8220;SEC&#8221;):  Thomas P. Ash, Edward W. Cochran, James Frauenberg II, Robert E. Hoeweler, Robert H. Milbourne, John T. Pietrzak and David L. Royer.&nbsp;&nbsp;Timothy O&#8217;Dell does not qualify as &#8220;independent&#8221; as a result of serving as the President and Chief Executive Officer of the Company and CFBank during 2019. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The NASDAQ independence definition includes a series of tests, such as that the director is not an employee of the Company and has not engaged in various types of business dealings with the Company and its subsidiaries.&nbsp;&nbsp;As required by the NASDAQ Marketplace Rules, the Board of Directors has made a subjective determination as to each independent director that no relationships exist that, in the opinion of the Board, would interfere with the exercise of his independent judgment in carrying out the responsibilities of a director.&nbsp;&nbsp;In making these determinations, the Board of Directors reviewed and discussed information provided by the directors and the Company with regard to each director&#8217;s business and personal activities as they may relate to the Company and CFBank, including those described under the heading &#8220;Certain Relationships and Related Party Transactions&#8221; beginning on page 9 of this Proxy Statement.</p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BOARD LEADERSHIP STRUCTURE</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s current Chairman, Robert E. Hoeweler, has served in this capacity since August 24, 2012.&nbsp;&nbsp;Mr. Hoeweler has extensive experience in the banking industry and intimate familiarity with the operations of financial institutions. As a result, he is able to provide unique insights as Chairman that are valuable to the Board in determining and overseeing the strategic direction of the Company.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Currently, the Board of Directors has placed the responsibilities of Chairman with an &#8220;independent&#8221; member of the Board, which we believe provides strong accountability between the Board and our management team.&nbsp;&nbsp;Our Chairman is responsible for providing leadership to the Board of Directors and facilitating communication among the directors, setting the Board meeting agendas in consultation with the President and Chief Executive Officer, and presiding at Board meetings.&nbsp;&nbsp;The Chairman also actively oversees the activities and controls of the Company and CFBank. This delineation of duties between the Chairman and the President and Chief Executive Officer allows the Company&#8217;s President and Chief Executive Officer to focus his attention on managing the day-to-day business of the Company and CFBank.&nbsp;&nbsp;We believe this structure provides strong leadership for our Board while positioning our President and Chief Executive Officer as the leader of the Company in the eyes of our customers, employees, stockholders and other stakeholders. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Board also believes that the Company and its stockholders are best served by a Board that has the flexibility to establish and change the Board&#8217;s leadership structure from time to time to fit the needs of the Company.&nbsp;&nbsp;Pursuant to the Company&#8217;s Corporate Governance Guidelines, the Board of Directors has the power and authority to combine or separate the positions of Chairman and President/Chief Executive Officer.&nbsp;&nbsp;Thus, from time to time, the Board may consider combining the roles of President/Chief Executive Officer and Chairman, and/or appointing a Lead Independent Director.&nbsp;&nbsp;These decisions will be dependent upon the needs of the Company at that time, including the composition of the Board and the availability, willingness and qualifications of candidates to serve as Chairman and/or Lead Independent Director, as well as other factors.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BOARD ROLE IN RISK OVERSIGHT</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU5"></a>The Board of Directors has overall responsibility for consideration and oversight of risks facing the Company and CFBank and is responsible for ensuring that material risks are identified and managed appropriately.&nbsp;&nbsp;The Board delegates to its committees </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">certain risk management oversight r</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">esponsibilities related to their specific areas of responsibility.&nbsp;&nbsp;The Audit</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommittee</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> is responsible for overseeing financial risk exposure and the steps management is taking to monitor and control such exposure.&nbsp;&nbsp;The Compensation </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and Management Developm</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ent </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Committee oversees the management of risks arising from our compensation programs, policies and practices for our executives and employees that would be reasonably likely to have a material adverse effect on the Company.&nbsp;&nbsp; The Corporate Governance and </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Nominating Committee oversees risks related to corporate governance, including those related to performance and composition of the Board and the independence of Board members.&nbsp;&nbsp;Directors discuss risk and risk mitigation strategies with management within th</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ese committees.&nbsp;&nbsp;All risk oversight discussions are included in committee and other reports to the full Board of Directors.&nbsp;&nbsp;</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BOARD MEETINGS AND COMMITTEES</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors of the Company holds regular meetings and special meetings as may be called from time to time in accordance with the Bylaws.&nbsp;&nbsp;During 2019, the Company&#8217;s Board of Directors held twelve (12)<font style="font-weight:bold;font-style:italic;"> </font>meetings. The Board of Directors of CFBank has the same composition as the Board of the Company and holds regular meetings monthly and any special meetings as may be called from time to time in accordance with the Bylaws of CFBank.&nbsp;&nbsp;During 2019, CFBank&#8217;s Board of Directors held twelve (12) meetings.&nbsp;&nbsp;No director during the period he served in 2019 attended less than 75% of the Company&#8217; Board meetings and any committees on which he served.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Board&#8217;s principal standing committees during 2019 were the Audit Committee, the Compensation and Management Development Committee, and the Corporate Governance and Nominating Committee.&nbsp;&nbsp;Information regarding the functions of the Board&#8217;s committees, their present membership and the number of meetings held by each committee during fiscal 2019 is set forth below.&nbsp;&nbsp;All committees operate under formal written charters adopted by the Board of Directors.&nbsp;&nbsp;The charters of the Audit Committee, the Compensation and Management Development Committee and the Corporate Governance and Nominating Committee are available in the Investor Relations section of our website at <font style="text-decoration:underline;">http://CFBankonline.com</font>. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">AUDIT COMMITTEE</font>.&nbsp;&nbsp;The Audit Committee provides assistance to the Board in fulfilling its oversight responsibility relating to the integrity of our consolidated financial statements and the financial reporting processes, the systems of internal accounting and financial controls, compliance with legal and regulatory requirements, the annual independent audit of our consolidated financial statements, the qualifications and independence of our independent registered public accounting firm, the performance of our internal audit function and of our independent registered public accounting firm, and any other areas of potential financial risk to the Company as specified by the Board.&nbsp;&nbsp;The Audit Committee also is responsible for the appointment, retention and oversight of our independent registered public accounting firm, including pre-approval of all audit and non-audit services to be performed by the independent registered public accounting firm, and for the review and approval, on an ongoing basis, of all related-party transactions for potential conflict-of-interest situations.&nbsp;&nbsp;The Audit Committee Report appears on page 37 of this Proxy Statement.</p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">During 2019, the Audit Committee held eleven (11) meetings.&nbsp;&nbsp;The following directors currently serve as members of the Audit Committee: </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:79.41%;">
<tr>
<td style="width:79.41%;"></td>
</tr>
<tr style="height:1pt;">
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Audit Committee Members</font></p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Thomas P. Ash (Chair)</p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Edward W. Cochran</p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">James H. Frauenberg II </p></td>
</tr>
<tr style="height:19.35pt;">
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert H. Milbourne</p></td>
</tr>
</table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each director who currently serves on the Audit Committee qualifies, and each director who served as a member of the Audit Committee during 2019 qualified, as &#8220;independent&#8221; under the standards set forth in the NASDAQ Marketplace Rules and Rule 10A-3 of the Securities and Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;).&nbsp;&nbsp;None of such members of the Audit Committee has participated in the preparation of the financial statements of the Company or any of its current subsidiaries at any time during the past three years, and all of such members are able to read and understand fundamental financial statements, including our balance sheet, income statement and cash flow statement. The Board has also determined that Thomas P. Ash, the Chair of the Audit Committee, qualifies as an &#8220;audit committee financial expert&#8221; under applicable regulations of the Securities and Exchange Commission (the &#8220;SEC&#8221;).</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">COMPENSATION AND MANAGEMENT DEVELOPMENT COMMITTEE</font>.&nbsp;&nbsp;The Compensation and Management Development Committee (the &#8220;Compensation Committee&#8221;) has overall responsibility for reviewing, evaluating and approving the director, officer and employee compensation plans, policies and programs of the Company and CFBank.&nbsp;&nbsp;The Compensation Committee is responsible for administering our equity compensation plans and for establishing, in consultation with executive management, the Company&#8217;s general compensation philosophy and overseeing the development and implementation of executive compensation programs.&nbsp;&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">During 2019, the Compensation Committee held four (4) meetings.&nbsp;&nbsp;The following directors currently serve as members of the Compensation Committee: </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:94.64%;">
<tr>
<td style="width:94.64%;"></td>
</tr>
<tr style="height:1pt;">
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
</tr>
<tr style="height:1pt;">
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
</tr>
<tr style="height:9.85pt;">
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Compensation Committee Members</font></p></td>
</tr>
<tr>
<td valign="top" >
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert E. Hoeweler (Chair)</p></td>
</tr>
<tr>
<td valign="top" >
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert H. Milbourne</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">James H. Frauenberg II</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Edward W. Cochran </p></td>
</tr>
</table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each director who currently serves on the Compensation Committee qualifies, and each director who served as a member of the Compensation Committee during 2019 qualified, as &#8220;independent&#8221; under the standards set forth in the NASDAQ Marketplace Rules. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">CORPORATE GOVERNANCE AND NOMINATING COMMITTEE</font>.&nbsp;&nbsp;The Corporate Governance and Nominating Committee is responsible for identifying qualified director candidates and recommending to the Board of Directors the director nominees for election, nomination or appointment to the Board.&nbsp;&nbsp;The Corporate Governance and Nominating Committee considers nominees in the context of standards codified in its charter and in the Board&#8217;s Corporate Governance Guidelines.&nbsp;&nbsp;The Committee also provides oversight on matters involving the size, composition and operation of the Board, including in the areas of committee membership and committee chairpersons.&nbsp;&nbsp;The Committee also leads the Board in its annual review of the Board&#8217;s performance.&nbsp;&nbsp;The Corporate Governance and Nominating Committee is authorized to employ professional search firms to assist in identifying potential director candidates with the desired skills and disciplines for election, nomination or appointment to the Board of Directors.&nbsp;&nbsp;No such firms were engaged or otherwise utilized during 2019. The full Board of Directors exercises authority over the final approval of director candidates for election, nomination or appointment to the Board of Directors, based on the recommendation of the Corporate Governance and Nominating Committee. </p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">During 2019, the Corporate Governance and Nominating Committee held one (1) meeting.&nbsp;&nbsp;The following directors currently serve as members of the Corporate Governance and Nominating Committee: </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:99.05%;">
<tr>
<td style="width:99.05%;"></td>
</tr>
<tr style="height:1pt;">
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Corporate Governance and Nominating Committee Members</font></p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Edward W. Cochran (Chair)</p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert E. Hoeweler</p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">David L. Royer</p></td>
</tr>
</table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each director who currently serves on the Corporate Governance and Nominating Committee qualifies, and each director who served as a member of the Corporate Governance and Nominating Committee during 2019 qualified, as &#8220;independent&#8221; under the standards set forth in the NASDAQ Marketplace Rules. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">NOMINATING PROCEDURE</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Corporate Governance and Nominating Committee recommends candidates, including incumbents, for election and appointment to the Board of Directors, subject to the provisions set forth in the Company&#8217;s Certificate of Incorporation and Bylaws.  Nominations are based on the criteria the Corporate Governance and Nominating Committee deems appropriate and consistent with the standards set forth in the Board&#8217;s Corporate Governance Guidelines.&nbsp;&nbsp;Criteria considered by the Board may include the following: business experience, education, integrity and reputation, independence, conflicts of interest, diversity, age, number of other directorships and commitments (including charitable obligations), tenure on the Board, attendance at Board and committee meetings, stock ownership, specialized knowledge (such as an understanding of banking, accounting, marketing, finance, regulation and public policy) and a commitment to the Company&#8217;s communities and shared values, as well as overall experience in the context of the needs of the Board as a whole.  The Company does not have a formal policy that requires the consideration of diversity in identifying nominees for election to the Board of Directors.&nbsp;&nbsp;However, the Company&#8217;s Corporate Governance Guidelines provide for the Corporate Governance and Nominating Committee to consider diversity of viewpoints, backgrounds, experiences and demographics as one of the primary factors in identifying and recommending qualified candidates for Board membership. Nominations received from stockholders are considered and evaluated using the same criteria as all other nominations. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU6"></a>Nominations, other than those made by the Board of Directors after its review of the recommendations of the Corporate Governance and Nominating Committee, must be made by timely notice in writing to the Corporate Secretary as set forth in the Company&#8217;s Bylaws.&nbsp;&nbsp;In general, to be timely, a stockholder&#8217;s notice must be received by the Company not less than ninety (90) days before the date of the scheduled annual meeting; however, if less than one hundred (100) days&#8217; notice or prior </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">disclosure of the date of the scheduled annual meeting is given by the Company, the stockholder has until the close of business on </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the tenth (10</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup></font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">) day following the day on which notice or prior disclosure of the date of the scheduled annual meeting was made.&nbsp;&nbsp;The stockholder&#8217;s notice must include:</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">As to each person whom a stockholder proposes to nominate for election or re-election as a director:</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;text-indent:0%;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:14.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">All information relating to the proposed nominee that is required to be disclosed in solicitations of proxies for election of directors, or is otherwise required, in each case pursuant to Regulation 14A under the Exchange Act (including such person&#8217;s written consent to being named in the proxy statement as a nominee and to serving as a director if elected); and</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">As to the stockholder giving the notice:</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;text-indent:0%;font-size:6pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:14.29%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">The name and address of the stockholder as they appear on the Company&#8217;s books; and</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:14.29%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">The class and number of shares of the Company&#8217;s capital stock that are beneficially owned by the stockholder.</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The description above is a summary of the Company&#8217;s nominating process.&nbsp;&nbsp;Any stockholder wishing to propose a director nominee to the Company must comply in full with the applicable procedures and requirements set forth in the Company&#8217;s Bylaws, the SEC&#8217;s proxy rules and Delaware law.&nbsp;&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">QUALIFICATIONS OF DIRECTORS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors has codified certain standards for directors in its Corporate Governance Guidelines.&nbsp;&nbsp;These guidelines provide that the Board of Directors should encompass, among other things, a diverse range of viewpoints, backgrounds, experiences and demographics sufficient to build a Board that is effective, collegial and responsive to the Company&#8217;s operations and interests.&nbsp;&nbsp;The Corporate Governance Guidelines also provide that Board membership should be based on judgment, character, expertise, skills and knowledge useful to the oversight of the Company&#8217;s business as well as on business or other relevant experience.&nbsp;&nbsp;Further, consistent with the NASDAQ Marketplace Rules, these guidelines provide that at all times a majority of the Board must be &#8220;independent&#8221; as defined from time to time by the listing requirements of NASDAQ and any specific requirements established by the Board.&nbsp;&nbsp;Each director also is expected to:</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">provide loyalty, direction and oversight to the business and management of the Company;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">establish strategic direction of the Company;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">exercise business judgment in the best interests of the Company;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">possess sufficient familiarity with the Company&#8217;s principal operational and financial objectives and plans to ensure active and effective participation in the deliberations of the Board of Directors and each committee on which the director serves; and</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:7.14%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">possess the capacity to obtain a basic understanding of the Company&#8217;s results of operations and financial condition.</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Corporate Governance Guidelines are posted in the Investor Relations section of the Company&#8217;s website at <font style="text-decoration:underline;">http://CFBankonline.com</font>.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CODE OF ETHICS AND BUSINESS CONDUCT&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors has adopted a Code of Ethics and Business Conduct, which applies to all of our directors, officers and employees, including directors, officers and employees of CFBank and other subsidiaries.&nbsp;&nbsp;Our Code of Ethics and Business Conduct is posted in the Investor Relations section of our website at <font style="text-decoration:underline;">http://CFBankonline.com</font>.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BOARD MEMBER ATTENDANCE AT ANNUAL STOCKHOLDER MEETINGS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Although the Company does not have a formal policy regarding director attendance at annual stockholder meetings, directors are expected to attend these meetings absent extenuating circumstances.&nbsp;&nbsp;All of our then-current directors attended last year&#8217;s annual meeting of stockholders with the exception of Mr. O&#8217;Dell, who was absent due to his daughter&#8217;s high school graduation. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">COMMUNICATIONS WITH DIRECTORS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU7"></a>The Board of Directors has adopted a process by which stockholders and other interested parties may communicate with the Board, any individual director or any committee chair by e-mail or regular mail.&nbsp;&nbsp;Communications by e-mail should be sent to <font style="text-decoration:underline;">bobhoeweler@CFBankmail.com</font>.  Communications by regular mail should be sent to the attention of the Board of Directors; </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">any individual director by name; Chair, Audit Committee; Chair, Compensation and Management Devel</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">opment Committee; or Chair, Corporate Governance and Nominating Committee, c/o Corporate Secretary, Central Federal Corporation, 7000 N. High Street, Worthington, Ohio 43085.&nbsp;&nbsp;Management will pass on all communications received to the appropriate director </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">or directors without any screening.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Audit Committee is responsible for reviewing and overseeing policies designed to identify transactions with &#8220;related persons,&#8221; including directors, executive officers and beneficial owners of more than 5% of the Company&#8217;s capital stock and the immediate family members of any of the foregoing, that are material to the Company&#8217;s consolidated financial statements or otherwise require disclosure under applicable rules adopted by the SEC, including those transactions required to be disclosed under Item 404 of SEC Regulation S-K, or the rules of any other appropriate regulatory agency or body.&nbsp;&nbsp;All such transactions must be approved in advance by the Audit Committee. In addition, under the terms of the Company&#8217;s Code of Business Conduct and Ethics, the Audit Committee is responsible for reviewing and overseeing all actions and transactions which involve the personal interest of a director or executive officer of the Company and determining in advance whether any such action or transaction represents a potential conflict of interest.&nbsp;&nbsp;Further, under the terms of CFBank&#8217;s Insider Trading Policy and Affiliate Credit and Regulation O Policy, all loans made to directors or executive officers of the Company or one of our subsidiaries must be reported to the Senior Credit Officer and the Compliance Officer. All such related party loans must conform to the Company&#8217;s credit policy. To the extent any transaction represents an ongoing business relationship with the Company or any of our subsidiaries, such transaction must be reviewed annually and be on terms no more favorable than those which would be usual and customary in similar transactions between unrelated persons dealing at arm&#8217;s length.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On an annual basis, each director and each executive officer of the Company must complete a Directors&#8217; and Officers&#8217; questionnaire which requires disclosure of any transaction, arrangement or relationship with the Company and/or any of our subsidiaries since the beginning of the last fiscal year in which the director or executive officer, or any member of his or her immediate family, has or had a direct or indirect interest. As a part of its review process, CFBank compares information to track originations of any new loans for a director or an executive officer, or any member of his or her immediate family, and reconciles all then-current account information to ensure the data has been gathered and recorded accurately.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Loan Transactions with CFBank</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CFBank policy and the laws and regulations governing insured financial institutions require that any and all loans or extensions of credit made by CFBank to executive officers, directors or their immediate family members, must (i) be made in the ordinary course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to CFBank, (ii) not involve more than the normal risk of collectability and (iii) not present any other unfavorable features.&nbsp;&nbsp;In addition, loans made to a director or executive officer may not exceed an amount which, when aggregated with the amount of all other loans to such person and his or her related interests, is equal to 15 percent of CFBank&#8217;s unimpaired capital and unimpaired surplus in the case of loans not fully secured, and an additional 10 percent of CFBank&#8217;s unimpaired capital and unimpaired surplus with respect to loans that are fully secured. All loans outstanding to such related persons totaled $6,113,178 at December 31, 2019 and $3,671,768 at December 31, 2018, and were performing in accordance with their terms at such dates.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Private Placement</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On October 31, 2019, the Company issued and sold (i) 849,615 shares of the Company&#8217;s Common Stock at a purchase price of $12.00 per share and (ii) 12,337 shares of the Company&#8217;s Series C Preferred Stock at a purchase price of $1,200.00 per share, in a private placement pursuant to a Securities Purchase Agreement, dated October 25, 2019 (the &#8220;Securities Purchase Agreement&#8221;), among the Company, Castle Creek Capital Partners VII, L.P. (&#8220;Castle Creek&#8221;) and certain other accredited investors party thereto (together with Castle Creek, collectively, the &#8220;Investors&#8221; and, each, an &#8220;Investor&#8221;), for gross proceeds of approximately $25 million (the &#8220;Private Placement&#8221;). As a result of the Private Placement, Castle Creek acquired 531,299 shares of the Company&#8217;s Common Stock and 11,570 of the Company&#8217;s Series C Preferred Stock. As described under the section captioned &#8220;&#8212;Description of Series C Preferred Stock&#8221; beginning on page 29 of this Proxy Statement, the Series C Preferred Stock is convertible into the Company&#8217;s Non-Voting Common Stock or the Company&#8217;s Common Stock, under certain conditions specified in the Certificate of Designations that was filed with the Secretary of State of the State of Delaware (the &#8220;Delaware Secretary of State&#8221;) on October 29, 2019, to designate 12,337 shares of the Company&#8217;s authorized and unissued preferred stock as Series C Preferred Stock (the &#8220;Certificate of Designations&#8221;). See the sections captioned &#8220;Proposal 4 &#8211; Approval of Amendment to the Certificate of Incorporation to Authorize the Non-Voting Common Stock&#8221; and &#8220;Proposal 5 &#8211; Approval of Issuance of Shares of Common Stock upon Conversion of Non-Voting Common Stock or Series C Preferred Stock&#8221; for additional information regarding the Non-Voting Common Stock and the Series C Preferred Stock. </p> <div></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the terms of the Securities Purchase Agreement, for so long as Castle Creek, together with its affiliates, owns in the aggregate at least 4.9% of the outstanding shares of Common Stock, Castle Creek is entitled to have one representative appointed to the boards of directors of the Company and CFBank, subject to the satisfaction of legal and regulatory requirements, or to designate one representative to attend the meetings of such boards of directors in a&#160;non-voting,&#160;non-participating&#160;observer capacity. John T. Pietrzak, a Managing Principal of Castle Creek, was appointed, effective as of November 20, 2019, to serve as the director representative for Castle Creek on the boards of directors of the Company and CFBank pursuant to the Securities Purchase Agreement. Mr. Pietrzak did not participate as an Investor in the Private Placement or have any direct or indirect interest in the Private Placement, other than his position as Managing Principal of Castle Creek. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In addition, the Securities Purchase Agreement further provides that, for so long as any Investor, together with its affiliates and any persons who share a common discretionary investment advisor with such Investor, owns at least 4.9% of the outstanding shares of Common Stock, such Investor will be entitled to certain preemptive rights if the Company makes any public or nonpublic offering or sale of any equity or any securities, options or debt that is convertible or exchangeable into equity or that includes any equity component, except for certain specified issuances of securities as equity compensation for employees, officers or directors of the Company or as full or partial consideration for certain&#160;non-financing&#160;transactions. In the event of such offering or sale, such Investor would have the right to acquire from the Company for the same price (net of any underwriting discounts or sales commissions) and on the same terms as such securities are being offered or sold up to the amount of new securities in the aggregate required to enable such Investor to maintain its proportionate Common Stock equivalent interest in the Company immediately prior to any such issuance of such new securities.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Registration Rights Agreement</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In connection with the closing of the Private Placement, the Company also entered into a Registration Rights Agreement, dated October 31, 2019, with Castle Creek and the other Investors (the &#8220;Registration Rights Agreement&#8221;), pursuant to which the Company agreed to file a registration statement (and subsequent additional registration statements, as required) with the SEC to register for resale the shares of the Company&#8217;s Common Stock and the Series C Preferred Stock issued in the Private Placement and any shares of the Company&#8217;s Common Stock and Non-Voting Common Stock issuable upon conversion of the Series C Preferred Stock. The Registration Rights Agreement obligates the Company to file such registration statement no later than the second anniversary of the closing of the Private Placement and to use its reasonable best efforts to cause such registration statement to be declared effective by the SEC as soon as practicable, but no later than the seventh trading day after the Company is notified by the SEC that such registration statement will not be reviewed or will not be subject to further review.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">PROPOSAL 1 &#8211; </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">ELECTION OF DIRECTORS</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:12pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In accordance with the Bylaws of the Company, the number of directors is currently fixed at eight.  There are currently eight directors serving on the Board, with the following three directors currently serving terms that will expire at the Meeting:&nbsp;&nbsp;Robert E. Hoeweler, Robert H. Milbourne and John T. Pietrzak.&nbsp;&nbsp;The Corporate Governance and Nominating Committee of the Board of Directors has nominated the two directors named below for re-election as directors of the Company to serve three-year terms expiring at the annual meeting in 2023.</p> <div></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:23.21%;">
<tr>
<td style="width:23.21%;"></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">NOMINEES</font></p></td>
</tr>
<tr>
<td valign="top" >
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert E. Hoeweler</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.4pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">John T. Pietrzak</p></td>
</tr>
</table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Because there are only two individuals nominated pursuant to the Bylaws for election as directors at the Meeting, a vacancy on the Board of Directors would exist following the Meeting.&nbsp;&nbsp;The Corporate Governance and Nominating Committee and the Board of Directors has no present intention of appointing an additional director to fill such vacancy, and it is anticipated that the Board of Directors may take action in accordance with the Bylaws to reduce the authorized number of directors from eight to seven to eliminate such vacancy effective as of the expiration of the current director terms on the date of the Meeting.&nbsp;&nbsp;</p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each nominee has consented to serve as a director if elected.&nbsp;&nbsp;Should a nominee decline or be unable to serve, or for good cause will not serve, the Board of Directors reserves the right in its discretion to substitute another person as a nominee or to reduce the number of nominees.&nbsp;&nbsp;In this event, the proxy holders may vote your shares in their discretion for any substitute nominee proposed by the Board of Directors unless you have withheld authority.&nbsp;&nbsp;The individuals appointed as proxies cannot vote for more than two nominees for election as directors at the Meeting.</p> <div></div>
<p style="text-align:justify;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following sets forth information regarding each of the nominees for election as director of the Company and each of the current directors of the Company who will continue following the Meeting.&nbsp;&nbsp;Unless otherwise indicated, each director or director nominee has held his principal occupation for more than five years.&nbsp;&nbsp;There are no family relationships among any of the directors and executive officers of the Company.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">NOMINEES</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Robert E. Hoeweler<font style="font-style:normal;"> has been the Chairman of the Board of the Company and CFBank since August 2012.&nbsp;&nbsp;Since 1980 he has been the Chief Executive Officer of a diverse group of companies owned by the Hoeweler family, including manufacturing, communications, distribution, business services and venture capital entities.&nbsp;&nbsp;He serves on the boards of a major waste management company and a large commercial bakery.&nbsp;&nbsp;He previously has served as the Chairman of two family led businesses in financial services, a midsized community bank and a major payment processing service company.&nbsp;&nbsp;He brings diverse business and banking skills and experience to the Company and CFBank. </font> <font style="font-style:normal;color:#000000;">Age 72.&nbsp;&nbsp;Director since August 23, 2012.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">John T. Pietrzak, CFA<font style="font-style:normal;">&#160;is a Managing Principal of Castle Creek&#174;.  Mr. Pietrzak is a current board member of CNB Bank Shares, Inc. and previously served as board member of West Coast Bancorp and its wholly-owned subsidiary, West Coast Bank; Square 1 Financial and its wholly-owned subsidiary, Square 1 Bank; Intermountain Community Bancorp and its wholly-owned subsidiary, Panhandle State Bank; HCSB Financial Corporation and its wholly-owned subsidiary, Horry County State Bank; and Origin Bancorporation and its wholly owned subsidiary, Origin Bank. &nbsp;&nbsp;Prior to joining Castle Creek&#174;, Mr. Pietrzak was a Director at Levi Strauss &amp; Co. where he led a team responsible for forecasting demand for the Dockers brand. He was also a Senior Manager of Finance at Levi&#8217;s.  Prior to that, he worked at Diamond Strategy and Technology Consultants, where he assisted clients in developing and implementing strategies in the wireless data industry. Mr. Pietrzak began his career at Sara Lee Corporation where he held positions in a variety of functional areas. Mr. Pietrzak holds a Bachelor of Science in Accounting from Indiana University and an M.B.A. from The Wharton School at the University of Pennsylvania and is a CFA charter holder.&nbsp;&nbsp;John brings significant financial, investment and business experience as well as extensive board experience with both public and private companies, including financial institutions, that are valuable to the Company and CFBank.&nbsp;&nbsp;Age 48.&nbsp;&nbsp;Director since November 20, 2019.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU8"></a><font style="text-decoration:underline;">CONTINUING DIRECTORS</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Thomas P. Ash<font style="font-style:normal;"> was Director of Governmental Relations at the Columbus, Ohio-based Buckeye Association of School Administrators (BASA) from August 2005 to October 2019.&nbsp;&nbsp;Prior to that time, Mr. Ash was Superintendent of Schools, Mid-Ohio Educational Service Center in Mansfield, Ohio from January 2000 through July 2005.&nbsp;&nbsp; Mr. Ash was the Superintendent of Schools, East Liverpool City School District in East Liverpool, Ohio from August 1984 to December 1999.&nbsp;&nbsp;As Superintendent at Mid-Ohio Educational Service Center and East Liverpool City School District, his experience included financial reporting and analysis, supervising and directing financial staff members, implementing and complying with U.S. generally accepted accounting principles (GAAP) reporting requirements, and developing internal controls.&nbsp;&nbsp;Mr. Ash&#8217;s public-sector and advocacy experience, both on the local level in Columbiana County and on the state level, lends a perspective unique to the Board of Directors. Following his retirement from BASA, he accepted a position as a part-time consultant with K-12 Business Consulting, which provides financial forecasting and chief executive officer searches for Ohio school districts.&nbsp;&nbsp; Age 70.&nbsp;&nbsp;Term expires in 2022.&nbsp;&nbsp;Director since 1985.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:normal;font-style:italic;font-size:10pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">Edward W. Cochran<font style="font-weight:bold;font-style:normal;"> </font><font style="font-style:normal;">has been engaged in the practice of law for 45 years since graduating from Columbia University Law School in 1975.&#160; He holds an undergraduate degree from Harvard University, where he was a Harvard National Scholar.&#160; Mr. Cochran is admitted to practice before the United States Supreme Court, as well as the courts of Ohio, the U.S. District Court for the Northern District of Ohio, and the United States Circuit Courts of Appeal for the Second, Third, Sixth, Seventh and Ninth Circuits.&nbsp;&nbsp;In addition, Mr. Cochran is involved in various business interests and is a successful investor.&nbsp;&nbsp;Mr. Cochran has strong relationships in Cleveland and brings a valuable legal perspective and regulatory understanding to the Company and CFBank. Age 70.&nbsp;&nbsp;Term expires in 2021.  Director since December 19, 2012.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">James H. Frauenberg, II <font style="font-style:normal;">has been the</font> <font style="font-style:normal;">principal owner of Addison Holdings, LLC since 2007, where he has been active in opening/owning new franchises for multiple retail chains including Five Guys Burgers and Fries and Flip Flop Shops.&nbsp;&nbsp;He was the Senior Vice President with Checksmart Financial in Dublin, Ohio from 1995 to 2008.&nbsp;&nbsp;Mr. Frauenberg&#8217;s strong financial and entrepreneurial skills bring a high level of insight and judgment to the Company and CFBank.&nbsp;&nbsp;</font><font style="font-style:normal;color:#000000;">Age 44.&nbsp;&nbsp;Term expires in 2022.&nbsp;&nbsp;Director since August 23, 2012.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Timothy T. O&#8217;Dell<font style="font-style:normal;"> has been the CEO and a Director of CFBank and the Company since August 2012.&nbsp;&nbsp;Prior to joining CFBank in 2012, Mr. O&#8217;Dell owned and operated a consulting and business investment company specializing in providing advisory services to a number of privately held enterprises in construction, health care, real estate and professional services.&nbsp;&nbsp;Mr. O&#8217;Dell previously spent 22 years at Fifth Third Bank, and was a senior executive with Fifth Third&#8217;s Central Ohio operations for 12 of those years, concluding his tenure serving as President and Chief Executive Officer. At Fifth Third&#8217;s Central Ohio Affiliate, Mr. O&#8217;Dell also served as Executive Vice President and senior lender and managed its commercial banking and residential, commercial real estate divisions.&nbsp;&nbsp;Previously he managed the Asset Based Lending Division for Fifth Third Bank engaged in financing growth companies and acquisition financing.&nbsp;&nbsp;During his tenure, Fifth Third&#8217;s Central Ohio division grew by $4 billion in deposits and $5 billion in loans from organic growth and through strategic acquisitions.&nbsp;&nbsp;Mr. O&#8217;Dell currently serves on the Foundation and audit committees of National Church Residences, a senior living management and development entity, with 340 locations in 25 states.&nbsp;&nbsp;He also has served on the board of the Columbus Chamber of Commerce and The Ohio State University Medical Center, and he was a founding investor in the Ohio TechAngel Venture Fund.&nbsp;&nbsp;Mr. O'Dell holds a B.B.A. from Marshall University.&nbsp;&nbsp;Age 66.&nbsp;&nbsp;Term expires in 2021.&nbsp;&nbsp;Director since August 23, 2012.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">David L. Royer<font style="font-style:normal;"> is the Executive Vice President of Development for Continental Real Estate Companies. He is responsible for project development and capital procurement of various asset classes including apartments, student housing, office, retail and medical office property types. Previously, he served as Vice President of Finance and Development for CREC across a diverse set commercial development projects.&nbsp;&nbsp;Prior to Continental, David served as Vice President for Fifth Third Bank in their commercial real estate group.&nbsp;&nbsp;He earned his finance degree from Miami University (1989) and an MBA from The Ohio State University (1993).&nbsp;&nbsp;David currently serves as a board member for Scioto Country Club, First Community Village Foundation and NAIOP of Central Ohio (a national commercial real estate development association).&nbsp;&nbsp;David is a Past President of The Athletic Club of Columbus (2010) and NAIOP of Central Ohio (2017).&nbsp;&nbsp;Prior board experience includes Junior Achievement of Central Ohio as well as advisory board roles for Sky Bank Central Ohio and FC Bank.&nbsp;&nbsp;David is a member and advisor for the Columbus real estate firm, Kohr Royer Griffith, Inc.&nbsp;&nbsp;David is also a current member of the Columbus Board of Realtors and the National Association of Realtors.&nbsp;&nbsp;David brings extensive business experience and relationships that are valuable to the Company and CFBank.&nbsp;&nbsp;Age 52.&nbsp;&nbsp;Term expires in 2022.</font><font style="font-style:normal;color:#000000;">&nbsp;&nbsp;Director since July 1, 2018.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:normal;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU9"></a><font style="text-decoration:underline;">Recommendation and Vote</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:CG Times;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under Delaware law and the Bylaws, the two (2) nominees for election as directors of the Company who receive the greatest number of votes &#8220;FOR&#8221; election will be elected directors.&nbsp;&nbsp;Shares represented by properly executed proxy cards that are received prior to the Meeting and not subsequently revoked will be voted &#8220;FOR&#8221; the election of the nominees listed above unless authority to vote for one or more nominees is withheld.&nbsp;&nbsp;Stockholders may withhold authority to vote for the entire slate as nominated or may withhold the authority to vote for an individual nominee.&nbsp;&nbsp;Shares as to which the authority to vote is withheld and broker non-votes will be counted for quorum purposes but will not be counted toward the election of directors or toward the election of the individual nominees specified on the proxy card.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors recommends that you vote &#8220;FOR&#8221; the re-election of each of the nominees listed above.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">13</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2019 COMPENSATION OF DIRECTORS</p>
<p style="text-align:center;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Members of the Board of Directors who are not also officers or employees of the Company or CFBank (&#8220;non-employee directors&#8221;) receive certain fees for their service on the Boards of Directors of the Company and CFBank.&nbsp;&nbsp;For 2019, each non-employee member of the Board of Directors received an annual retainer, payable quarterly, in the amount of $42,000, except that (i) the Chairman of the Board of Directors received an additional retainer in the amount of $18,000, and (ii) the Chairs of the Audit and Compensation and Management Development Committees each received an additional retainer in the amount of $6,000 (prorated for service as Chair for a partial year, if applicable).&nbsp;&nbsp;In addition, during 2019, (i) each non-employee director serving as a member of the Executive Committee of the Board of Directors also received an additional annual fee of $8,000, and (ii) each non-employee director serving as a member of the Loan Committee received an additional annual fee of $12,000. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Members of the Board of Directors are also eligible to receive restricted stock, stock options and other equity awards under the Company&#8217;s equity compensation plans.&nbsp;&nbsp;Effective as of December 18, 2019, each of the directors of the Company was granted 3,200 shares of restricted stock under the Company&#8217;s 2019 Equity Incentive Plan, except that (i) Mr. Ash was granted an addition 600 shares of restricted stock for serving as Chairman of the Audit Committee, (ii) Mr. Hoeweler was granted an additional 1,500 shares of restricted stock for serving as Chairman of the Board of Directors and Chairman of the Compensation and Management Development Committee and (iii) Mr. Pietrzak was granted a prorated amount of 1,650 shares of restricted stock to reflect that he was appointed to the Board of Directors on November 20, 2019.&nbsp;&nbsp;The shares of restricted stock will vest ratably over a three-year period beginning on December 18, 2020. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following table summarizes the compensation paid to each non-employee director during the year ended December 31, 2019. </p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:68.04%;">
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td colspan="10" valign="bottom"  style="width:61.94%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Director Compensation for 2019</p></td>
</tr>
<tr style="height:38.75pt;">
<td valign="bottom"  style="width:36.06%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Name</p></td>
<td valign="bottom"  style="width:0.66%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:14.78%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Fees Earned or Paid in Cash ($)</p></td>
<td valign="bottom"  style="width:1.18%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:14%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Stock Awards ($) <sup style="font-size:85%;line-height:120%;vertical-align:top">(1) </sup></p></td>
<td valign="bottom"  style="width:1.18%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:16.26%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">All Other Compensation ($)</p></td>
<td valign="bottom"  style="width:1.98%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:13.9%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Total ($)</p></td>
</tr>
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Thomas P. Ash</p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:13.46%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 48,000&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.64%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 52,440&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:14.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 2,062&#160;<sup style="font-size:85%;line-height:120%;vertical-align:top">(2)</sup></p></td>
<td valign="middle"  style="width:1.98%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.56%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 102,502&#160;</p></td>
</tr>
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Edward W. Cochran</p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:13.46%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 46,000&#160;</p></td>
<td valign="top"  style="width:1.18%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.64%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 44,160&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">--</p></td>
<td valign="bottom"  style="width:1.98%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.56%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 90,160&#160;</p></td>
</tr>
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">James Frauenberg II</p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:13.46%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 42,000&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.64%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 44,160&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">--</p></td>
<td valign="bottom"  style="width:1.98%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.56%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 86,160&#160;</p></td>
</tr>
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert E. Hoeweler</p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:13.46%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 83,000&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.64%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 64,860&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">--</p></td>
<td valign="bottom"  style="width:1.98%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.56%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 147,860&#160;</p></td>
</tr>
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert Milbourne</p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:13.46%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 54,000&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.64%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 44,160&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">--</p></td>
<td valign="bottom"  style="width:1.98%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.56%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 98,160&#160;</p></td>
</tr>
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">John Pietrzak <sup style="font-size:85%;line-height:120%;vertical-align:top">(3)</sup></p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:13.46%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 7,000&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.64%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> <font style="font-weight:normal;">22,770&#160;</font></p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">--</p></td>
<td valign="bottom"  style="width:1.98%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.56%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 29,770&#160;</p></td>
</tr>
<tr style="height:12pt;">
<td valign="bottom"  style="width:36.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">David L. Royer</p></td>
<td valign="bottom"  style="width:0.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:13.46%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 51,000&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.64%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 44,160&#160;</p></td>
<td valign="bottom"  style="width:1.18%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">--</p></td>
<td valign="bottom"  style="width:1.98%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.56%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 95,160&#160;</p></td>
</tr>
<tr style="height:6pt;">
<td valign="bottom"  style="width:36.06%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.66%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:13.46%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.18%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.36%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.64%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.18%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.9%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.34%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.98%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.32%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.56%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;">&nbsp;</p></td>
</tr>
</table></div>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:1pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:1.17%;text-indent:0%;font-size:8pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:6pt;margin-top:0pt;font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)</font></p></td>
<td valign="top">
<p style="margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:7pt;"><font style="font-size:8pt;">Reflects the aggregate grant date fair value of shares of restricted stock awarded to each non-employee director in 2019.&nbsp;&nbsp;None of the non-employee directors received any stock option awards during 2019.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:6pt;margin-top:0pt;font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)</font></p></td>
<td valign="top">
<p style="margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:7pt;"><font style="font-size:8pt;">Reflects the costs associated with life insurance benefits for Mr. Ash.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:6pt;margin-top:0pt;font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)</font></p></td>
<td valign="top">
<p style="margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:7pt;"><font style="font-size:8pt;">Mr. Pietrzak was appointed to the Board of Directors on November 20, 2019.&nbsp;&nbsp;Director fees and awards are paid and issued to Castle Creek Advisors IV LLC on behalf of John Pietrzak.</font></p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">14</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">EXECUTIVE OFFICERS</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:justify;border-top:Solid 1.5pt;padding-top:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Provided below is information regarding each of the Company&#8217;s executive officers:<font style="font-style:italic;">&nbsp;&nbsp;</font></p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
<tr style="height:1pt;">
<td valign="bottom"  style="width:28.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:21.4%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:44.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:38.25pt;">
<td valign="bottom"  style="width:28.7%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Name</p></td>
<td valign="bottom"  style="width:2.5%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:21.4%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Age at </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">December 31, 2019</p></td>
<td valign="bottom"  style="width:2.72%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:44.7%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Position held with the Company and/or Subsidiaries</p></td>
</tr>
<tr style="height:7.85pt;">
<td valign="top"  style="width:28.7%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:21.4%;white-space:nowrap;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.72%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:44.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:57.4pt;">
<td valign="top"  style="width:28.7%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O&#8217;Dell</p></td>
<td valign="bottom"  style="width:2.5%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:21.4%;white-space:nowrap;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">66</p></td>
<td valign="bottom"  style="width:2.72%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:44.7%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Chief Executive Officer of the Company and CFBank since August 2012 and President and Chief Executive Officer of the Company and CFBank since October 2015. </p></td>
</tr>
<tr style="height:30.85pt;">
<td valign="top"  style="width:28.7%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">John W. Helmsdoerfer</p></td>
<td valign="bottom"  style="width:2.5%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:21.4%;white-space:nowrap;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">61</p></td>
<td valign="bottom"  style="width:2.72%;white-space:nowrap;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:44.7%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Chief Financial Officer of the Company and CFBank since March 2013; Treasurer of the Company since March 2013.</p></td>
</tr>
</table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Mr. Helmsdoerfer<font style="font-weight:normal;"> has been the Chief Financial Officer (&#8220;CFO&#8221;) of the Company and CFBank since March 2013.&nbsp;&nbsp;As a Certified Public Accountant with over 39 years of financial experience, which includes Big Four public accounting and 29 years as a CFO, he has a diverse finance and operations background in addition to his financial services background.&nbsp;&nbsp;Prior to joining CFBank, Mr. Helmsdoerfer spent 18 years with Fifth Third Bank where he held positions as both a CFO and Regional CFO for the Central Ohio affiliate and region.&nbsp;&nbsp;He also served as CFO for Nationwide Bank and Wilmington Savings Bank during his career.&nbsp;&nbsp;Mr. Helmsdoerfer holds a B.S.B.A degree from Miami University where he graduated cum laude.&nbsp;&nbsp; </font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The biography for Mr. O&#8217;Dell is included in the section entitled &#8220;PROPOSAL 1 &#8211; ELECTION OF DIRECTORS&#8221; above.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">COMPENSATION OF EXECUTIVE OFFICERS</p>
<p style="text-align:center;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">OVERVIEW OF COMPENSATION PROGRAMS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Compensation Committee of the Board has overall responsibility for reviewing, evaluating and approving the director, officer and employee compensation plans, policies and programs of the Company and CFBank.&nbsp;&nbsp;The Compensation Committee is responsible for administering our equity compensation plans and for establishing, in consultation with executive management, the Company&#8217;s general compensation philosophy and overseeing the development and implementation of executive compensation programs.&nbsp;&nbsp;The responsibilities of the Compensation Committee include, but are not limited to: evaluation and approving goals and objectives relevant to compensation of the President and Chief Executive Officer and other executives; evaluating the performance of those executive officers in light of those goals and objectives; and recommending to the Board compensation policies for non-employee directors.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s compensation programs for executive officers include a base salary as the primary source of compensation. However, other forms of compensation are utilized including: bonus incentive; stock options; restricted stock; retirement plans; health and life insurance benefits; and other perquisites including car and mobile phone allowances.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Compensation Committee regularly reviews the Company&#8217;s compensation programs to ensure that controls are in place to ensure that employees are not presented with the opportunity to take unnecessary or excessive risks that could threaten the value of the Company.  The Committee reviews and approves both the Company-wide and individual performance objectives that are used to determine how incentive payments are determined. The performance metrics are based on customary financial institution performance metrics as well as peer comparisons and trend analysis.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:normal;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Neither the Compensation Committee nor the Board relied upon any compensation consultants in determining or recommending the amount or form of executive or director compensation during 2019.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">15</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">COMPENSATION PHILOSOPHY AND OBJECTIVES</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s compensation programs are designed to provide market-relevant incentives and rewards to employees in positions of leadership who are largely responsible for the success and growth of the Company and CFBank, and to assist the Company and CFBank in attracting executives and other key employees with experience and ability.&nbsp;&nbsp;Our compensation objectives begin with the premise that our success depends on the dedication and commitment of the employees in key management positions, and our compensation programs are intended to incentivize those employees to successfully implement our business strategy and corporate goals. We base our compensation practices on meeting the demands of the employment market, aligning the compensation of our employees with our stockholders&#8217; interests, and driving superior performance.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Our compensation programs are designed to reward employees based upon their management responsibilities, performance levels, and their ability to create long-term value. Other considerations in the design of our compensation programs include: safe and sound operation of CFBank; management of business risk; experience levels to operate in a complex business environment; and the retention and development of incumbent executive management.&nbsp;&nbsp;The Company&#8217;s compensation program includes an annual review and adjustment to base salary based on company-wide and individual performance objectives by which each employee&#8217;s contribution to the Company&#8217;s success is measured.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company believes that its incentive compensation arrangements appropriately balance risk and financial results in a manner that does not expose the Company to imprudent risk-taking.&nbsp;&nbsp;As such, the Company&#8217;s incentive compensation arrangements take into account the risks, as well as the financial benefits, from the employee&#8217;s activities and the impact of those activities on the Company&#8217;s safety and soundness.&nbsp;&nbsp;In addition to the compensation programs being balanced in design, the implementation is such that the actual payouts of incentive compensation may vary based on risks or risk outcomes.&nbsp;&nbsp;Appropriate personnel have input into the process to assess the effectiveness of these processes in discouraging imprudent risk-taking.&nbsp;&nbsp;In addition, the Company monitors performance against key measurements and reserves the flexibility to revise the payout of incentive compensation as needed to reflect risks appropriately.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">COMPONENTS OF COMPENSATION</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Our executive compensation program is designed to be simple, competitive and link pay to performance.&nbsp;&nbsp;For 2019, the compensation paid to our executive officers consisted of the following components: &nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:10.71%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">base salary;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:10.71%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">restricted stock awards granted under our 2019 Equity Incentive Plan; </font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:10.71%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">performance-based cash incentive awards under our Incentive Compensation Plan; and</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:10.71%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">401(k) plan matching contributions and car and mobile phone allowances for certain executive officers.&nbsp;&nbsp;</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In August 2016, the Company adopted the Central Federal Corporation Incentive Compensation Plan (the &#8220;Incentive Compensation Plan&#8221;), pursuant to which the Compensation Committee is authorized to grant employees of the Company or CFBank the opportunity to earn awards of incentive compensation based on the achievement of performance objectives established by the Committee.&nbsp;&nbsp;In connection with the Company&#8217;s performance in 2019, the Compensation Committee and the Board of Directors approved the grant of awards to Timothy O&#8217;Dell and John Helmsdoerfer under the Incentive Compensation Plan.&nbsp;&nbsp;For additional information regarding the Incentive Compensation Plan and the awards granted thereunder, see &#8220;&#8212; Incentive Compensation Plan Information&#8221; below.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company and CFBank have entered into an employment agreement with each of Timothy T. O&#8217;Dell, President and Chief Executive Officer of CFBank, and John W. Helmsdoerfer, Executive Vice President and Chief Financial Officer of CFBank.&nbsp;&nbsp;See &#8220;&#8212; Employment Agreements&#8221; below for additional information.&nbsp;&nbsp;&#160; </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">16</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU10"></a><font style="font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2019 COMPENSATION</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In accordance with the rules established by the SEC, the Company is required to provide certain data and information in regard to the compensation and benefits provided to the Company&#8217;s President and Chief Executive Officer and certain of its other most highly compensated executive officers of the Company for the years ended December 31, 2019 and 2018.&nbsp;&nbsp;During the year ended December 31, 2019, the Company had two executive officers (the &#8220;named executive officers&#8221;) &#8211; Timothy T. O&#8217;Dell, President and Chief Executive Officer, and John W. Helmsdoerfer, Executive Vice President and Chief Financial Officer &#8211; who are included in the Summary Compensation Table below. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
<tr>
<td colspan="18" valign="bottom"  style="width:0.02%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Summary Compensation Table </p></td>
</tr>
<tr>
<td valign="bottom"  style="width:31.82%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Name and Principal Position</p></td>
<td valign="bottom"  style="width:0.54%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:6.74%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Year</p></td>
<td valign="bottom"  style="width:1.16%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:0.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Salary</p></td>
<td valign="bottom"  style="width:1.16%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:0.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Stock Awards <sup style="font-size:85%;line-height:120%;vertical-align:top">(1) </sup> ($) </p></td>
<td valign="bottom"  style="width:1.52%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:0.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Non-equity Incentive Plan Compensation <sup style="font-size:85%;line-height:120%;vertical-align:top">(2)</sup></p></td>
<td valign="bottom"  style="width:0.8%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:0.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">All Other Compensation&nbsp;&nbsp;<sup style="font-size:85%;line-height:120%;vertical-align:top">(3)</sup></p></td>
<td valign="bottom"  style="width:1.16%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td colspan="2" valign="bottom"  style="width:0.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Total </p></td>
</tr>
<tr style="height:14.65pt;">
<td valign="bottom"  style="width:31.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O'Dell </p></td>
<td valign="bottom"  style="width:0.54%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:6.74%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2019</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:7.98%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 315,000</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 151,800</p></td>
<td valign="bottom"  style="width:1.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.26%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:10.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 345,000</p></td>
<td valign="bottom"  style="width:0.8%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 21,761</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.84%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 833,561</p></td>
</tr>
<tr>
<td valign="top"  style="width:31.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">President and Chief Executive Officer</p></td>
<td valign="bottom"  style="width:0.54%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:6.74%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2018</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:7.98%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 300,000</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 116,950</p></td>
<td valign="bottom"  style="width:1.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.26%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:10.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 300,000</p></td>
<td valign="bottom"  style="width:0.8%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 24,010</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.84%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 740,960</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:31.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.54%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:6.74%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:7.98%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.26%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.84%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:31.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">John W. Helmsdoerfer</p></td>
<td valign="bottom"  style="width:0.54%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:6.74%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2019</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:7.98%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 249,375</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 82,800</p></td>
<td valign="bottom"  style="width:1.52%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.26%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:10.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 205,000</p></td>
<td valign="bottom"  style="width:0.8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 21,902</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.84%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 559,077</p></td>
</tr>
<tr>
<td valign="top"  style="width:31.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Executive Vice President and Chief</p></td>
<td valign="bottom"  style="width:0.54%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:6.74%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2018</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:7.98%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 237,500</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 64,050</p></td>
<td valign="bottom"  style="width:1.52%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(4)</sup></p></td>
<td valign="bottom"  style="width:2.26%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:10.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 160,000</p></td>
<td valign="bottom"  style="width:0.8%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 21,480</p></td>
<td valign="bottom"  style="width:1.16%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:9.84%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 483,030</p></td>
</tr>
<tr style="height:18.7pt;">
<td valign="top"  style="width:31.82%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Financial Officer</p></td>
<td valign="bottom"  style="width:0.54%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:6.74%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.16%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:7.98%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.16%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.52%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.26%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.16%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.8%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.48%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.94%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.16%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.48%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.84%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
</table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:7pt;"><font style="font-size:8pt;">Reflects the aggregate grant date fair value of shares of restricted stock awarded to each named officer in 2019 and 2018.&nbsp;&nbsp;No named executive officer received any stock option awards during 2019 and 2018.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:7pt;"><font style="font-size:8pt;">Reflects cash amounts earned by the named executive officer for the applicable year under the Incentive Compensation Plan.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:7pt;"><font style="font-size:8pt;">The amounts shown in the &#8220;All Other Compensation&#8221; column represent employer matching contributions to the 401(k) plan, car and mobile phone allowances and premiums for group term life insurance paid with respect to each named executive officer.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:7pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:7pt;"><font style="font-size:8pt;">In connection with the Company&#8217;s performance in 2018, Mr. Helmsdoerfer was granted 5,000 shares of restricted stock on February 27, 2019, with an aggregate grant date fair value of $64,050.</font></p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">EQUITY COMPENSATION PLAN INFORMATION</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On May 29, 2019, the stockholders of the Company approved the Central Federal Corporation 2019 Equity Incentive Plan (the &#8220;2019 Plan&#8221;).  The 2019 Plan was developed to provide incentives and rewards to those employees and directors who are largely responsible for the success and growth of the Company and its affiliates, and to assist the Company and CFBank in attracting and retaining directors, executive officers and other key employees with experience and ability.&nbsp;&nbsp;The 2019 Plan provides for discretionary grants of stock options, stock appreciation rights and restricted stock.&nbsp;&nbsp;Stock Options expire after ten years and vest over a three-year period; the exercise price of the options is set based upon the fair market value of our Common Stock at the date of the grant.&nbsp;&nbsp;Shares of restricted stock vest over a three-year period beginning of the first anniversary of the grant date. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The 2019 Plan replaced the Central Federal Corporation 2009 Equity Compensation Plan (the &#8220;2009 Plan&#8221;), which was approved by the stockholders of the Company on May 21, 2009.&nbsp;&nbsp;Similar to the 2019 Plan, the 2009 Plan provided for discretionary grants of stock options, stock appreciation rights and restricted stock. &#160;Stock Options granted under the 2009 had 10-year expiration dates and were subject to vesting over a three-year period, and shares of restricted stock granted under the 2009 were subject to vesting over a three-year period.&nbsp;&nbsp;The 2009 Plan terminated in accordance with its terms on March 19, 2019 and, as a result, no further awards may be granted under the 2009 Plan. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Awards for 2019 Fiscal Year</font> </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Effective as of December 18, 2019, Mr. O&#8217;Dell was granted 11,000 shares of restricted stock. The shares of restricted stock will vest ratably over a three-year period beginning on December 18, 2020.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Effective as of December 18, 2019, Mr. Helmsdoerfer was granted 6,000 shares of restricted stock.&nbsp;&nbsp;The shares of restricted stock will vest ratably over a three-year period beginning on December 18, 2020.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;"><br /></font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">17</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU11"></a><font style="text-decoration:underline;">Outstanding Equity Awards at Fiscal Year End</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:6.25%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following table shows information regarding equity awards outstanding to our named executive officers as of December 31, 2019.&nbsp;&nbsp;All outstanding equity awards were granted under the 2009 Plan and the 2019 Plan. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
</tr>
<tr>
<td colspan="13" valign="bottom"  style="width:0.02%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Outstanding Equity Awards at Fiscal Year-End for 2019</p></td>
<td valign="bottom"  style="width:0.72%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td colspan="7" valign="bottom"  style="width:0.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Option Awards</p></td>
<td valign="bottom"  style="width:2.28%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td colspan="4" valign="bottom"  style="width:0.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Stock Awards</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Name</p></td>
<td valign="bottom"  style="width:2.16%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Number of Securities Underlying Unexercised Options (#) Exercisable</p></td>
<td valign="bottom"  style="width:2.28%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Number of Securities Underlying Unexercised Options (#) Unexercisable</p></td>
<td valign="bottom"  style="width:2.28%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Option Exercise Price ($)</p></td>
<td valign="bottom"  style="width:2.5%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Option Expiration Date</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Number of Shares or Units of Stock That Have Not Vested (#)<sup style="font-size:85%;line-height:120%;vertical-align:top">1</sup></p></td>
<td valign="bottom"  style="width:2.28%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Market Value of Shares or Units of Stock That Have Not Vested ($)</p></td>
<td valign="bottom"  style="width:0.72%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O'Dell</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 9,090</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 7.87</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10/16/23</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 9,090</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 6.99</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12/19/22</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 20,332</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 283,631</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">John Helmsdoerfer</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 5,454</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 7.87</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10/16/23</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 5,454</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 8.25</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">03/20/23</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 12,272</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 171,194</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td colspan="9" valign="top"  style="width:0.02%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1) The unexercisable Restricted Stock Awards as of December 31, 2019 have a vesting date or will vest as follows:</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date</p></td>
<td valign="bottom"  style="width:2.16%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Mr. O'Dell</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Mr. Helmsdoerfer</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%; border-top:solid 0.75pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2/27/20</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%; border-top:solid 0.75pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-top:solid 0.75pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1,667</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12/18/20</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3,667</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2,000</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12/19/20</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3,333</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12/20/20</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2,666</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1,272</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2/27/21</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1,667</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12/18/21</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3,667</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2,000</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12/19/21</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3,333</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2/27/22</p></td>
<td valign="bottom"  style="width:2.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> -</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1,666</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12/18/22</p></td>
<td valign="bottom"  style="width:2.16%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3,666</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2,000</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="bottom"  style="width:17.96%; border-bottom:double 2.5pt transparent;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.16%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:10.52%; border-top:solid 0.75pt #000000; border-bottom:double 2.5pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 20,332&#160;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-top:solid 0.75pt #000000; border-bottom:double 2.5pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 12,272&#160;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:8.52%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.5%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:9.96%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.94%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.28%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:12.82%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:0.72%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
</tr>
</table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman Bold;text-transform:uppercase;font-style:normal;font-variant: normal;">Incentive Compensation Plan INFORMATION</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On August 11, 2016, the Company adopted the Incentive Compensation Plan to enable it to attract and retain skilled employees, increase organizational and employee performance, promote employee retention, and allow personnel costs to vary along with revenues, all while appropriately balancing risk and financial rewards.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the Incentive Compensation Plan, the Compensation Committee is authorized to select the employees of the Company or any of its wholly-owned subsidiaries who are eligible to participate.&nbsp;&nbsp;Under the Incentive Compensation Plan, designated employees are given the opportunity to earn awards of incentive compensation if the Company or CFBank achieves various performance objectives established by the Compensation Committee. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the Incentive Compensation Plan, designated employee participants may earn incentive compensation based on the satisfaction of corporate and/or strategic performance objectives over a prescribed performance period.&nbsp;&nbsp;For each performance period, the Committee shall establish: (a)&#160;performance objectives used to determine the amount payable to each participant; (b)&#160;the requisite level of achievement of the performance objectives (which may include threshold, target and maximum levels); (c)&#160;the method for determining the amount payable based on the achievement of the performance objectives; and (d)&#160;any other terms and conditions. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU12"></a>The performance criteria that the Committee may use to establish awards under the Incentive Compensation Plan include earnings or earnings per share (whether on a pre-tax, after-tax, operational or other basis); return on equity; return on assets; revenues; expenses or expense levels; one or more capital or operating ratios; stock price; stockholder return; market share; </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">18</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">cash flow; capital expenditures; net borrowing, debt, leverage levels or debt ratings; strategic objectives (including, mergers, acquisitions, dispositions, public offerings or similar extrao</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">rdinary business transactions); net asset value per share; growth in deposits or assets; asset or credit quality; economic value added; regulatory compliance; or such other measures as the Board may select from time to time.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In order to receive a payment of incentive compensation under the Incentive Compensation Plan, a participant must remain employed on the payment date.&nbsp;&nbsp;However, if a participant&#8217;s employment is terminated prior to the payment date due to death, disability or retirement (as defined in the Incentive Compensation Plan), the participant may receive a prorated payment. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">2019 Incentive Compensation Plan Awards</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On April 12, 2019, the Compensation Committee approved the establishment of 2019 awards (the &#8220;2019 incentive awards&#8221;) to Timothy O&#8217;Dell and John Helmsdoerfer under the Incentive Compensation Plan.&nbsp;&nbsp;The 2019 incentive awards permitted the employees selected as participants to earn a specified &#8220;target&#8221; percentage of the incentive pool based upon the satisfaction of certain performance objectives over a one-year performance period ending on December 31, 2019.  The maximum incentive award that could be earned by each participant was an amount equal to 110% and 100%, for Timothy O&#8217;Dell and John Helmsdoerfer, respectively, of such participant&#8217;s base compensation.&nbsp;&nbsp;The amount of the incentive that could be earned by each participant under the 2019 incentive awards was based on the level of achievement of the following performance objectives over a performance period of one year beginning on January&#160;1, 2019: </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">pre-tax net income of CFBank;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">increase in CFBank&#8217;s net loans;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">increase in CFBank&#8217;s core deposits growth;</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">amount of CFBank&#8217;s criticized assets; and </font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">market capitalization of the Company. </font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The 2019 incentive awards could be earned at different levels, depending on the level of attainment of the performance objectives.&nbsp;&nbsp;The Compensation Committee established both &#8220;threshold&#8221; and &#8220;maximum&#8221; targets with respect to performance objectives and weighted percentages to be earned based upon these targets.&nbsp;&nbsp;The potential payouts for the incentive awards ranged from 0% if certain &#8220;threshold&#8221; targets were not achieved, to 90% if the &#8220;maximum&#8221; targets were achieved with respect to all performance objectives.&nbsp;&nbsp;The Board also had discretion to grant participants a supplementary discretionary bonus not to exceed 10% of the participant&#8217;s share of the incentive pool as determined by the Board in its sole discretion. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Based on the Company&#8217;s performance in 2019, the target objectives were achieved at various levels under the 2019 incentive awards for each of Messrs. O&#8217;Dell and Helmsdoerfer.&nbsp;&nbsp;As a result, Messrs. O&#8217;Dell and Helmsdoerfer earned incentive bonuses in the amount of $345,000 and $205,000, respectively, for 2019.&nbsp;&nbsp;The amount paid to each named executive officer with respect to the 2019 incentive awards is included under the &#8220;Non-Equity Incentive Plan Compensation&#8221; column of the Summary Compensation Table under the heading &#8220;2019 COMPENSATION&#8221; above.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">EMPLOYMENT AGREEMENTS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Effective as of August 15, 2016, the Company and CFBank entered into employment agreements with each of Timothy T. O&#8217;Dell, President and Chief Executive Officer of CFBank, and John W. Helmsdoerfer, Executive Vice President and Chief Financial Officer of CFBank.&nbsp;&nbsp;The employment agreements with Messrs. O&#8217;Dell and Helmsdoerfer were subsequently amended and restated effective as of April 22, 2019.&nbsp;&nbsp;As amended, each employment agreement has a current term ending on December 31, 2022.&nbsp;&nbsp;Annually, the Boards of Directors of CFBank and the Company review each employment agreement to determine whether extension of the employment agreement for an additional 12 months is appropriate.&nbsp;&nbsp;Pursuant to each named executive officer&#8217;s employment agreement, Mr. O&#8217;Dell is entitled to receive a base annual salary of not less than $315,000 and Mr. Helmsdoerfer is entitled to receive a base annual salary of not less than $249,375.&nbsp;&nbsp;In addition to the base annual salary, the employment agreements provide for, among other things, participation in incentive programs and other employee benefit plans and other fringe benefits applicable to executive employees.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The employment agreements provide for certain payments if the named executive officer executes a release of claims against CFBank and the Company and either: (i) has an involuntary termination without &#8220;cause&#8221; not in connection with a &#8220;change of control&#8221;, (ii) voluntarily terminates with &#8220;good reason&#8221; not in connection with a &#8220;change in control,&#8221; (iii) has an involuntary termination without &#8220;cause&#8221; during the first 24 months after a &#8220;change of control&#8221;, (iv) voluntarily terminates with &#8220;good reason&#8221; during the first 24 months after a &#8220;change in control,&#8221;(v) dies, or (vi) becomes disabled. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">19</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU13"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In the event of involuntary termination without &#8220;cause&#8221; or voluntary termination with &#8220;good reason,&#8221; the </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">named </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">executive</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> officer</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">would be </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">entitled to receive a severance benefit equal to:</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.15%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">Salary continuation for 24 months for Mr. O&#8217;Dell and 18 months for Mr. Helmsdoerfer;</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:7.72%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.15%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">Payment of a pro rata portion (calculated based on the ratio of the number of days of employment during the performance period to the total number of days during the performance period) of any incentive compensation payable to the named executive officer with respect to the year in which the employment is terminated and payable when, if and to the extent that the bonus otherwise would have been payable had the named executive officer remained employed;</font></p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:7.14%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.15%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">Payment of a lump sum equal to the product of 18 multiplied by the difference between the monthly premium cost for COBRA continuation coverage for the medical insurance benefits in effect for the named executive officer immediately prior to the termination and the monthly premium cost charged to an active employee for such coverage; and</font></p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:7.14%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.17%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">Full vesting of all outstanding equity awards and stock options, which shall remain exercisable for the full option exercise period that would have applied had the named executive officer remained employed. </font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon the termination of the named executive officer without cause or the voluntary termination by the named executive officer with good reason within 24 months after a &#8220;change of control,&#8221; the named executive officer will receive a lump sum payment equal to a multiple (2 for Mr. O&#8217;Dell and 1.5 for Mr. Helmsdoerfer) of the sum of such terminated executive&#8217;s base salary on the date of termination and the average bonus paid to such terminated executive over the 24 month period preceding such termination.&nbsp;&nbsp;The lump sum shall be paid within sixty days following the named executive officer&#8217;s termination date.&nbsp;&nbsp;Upon the occurrence of such termination events, the named executive officer is also entitled to full vesting of all outstanding equity awards and stock options, which shall remain exercisable for the full option exercise period that would have applied had such terminated executive remained employed.&nbsp;&nbsp;This change of control benefit shall be subject to reduction if necessary to comply with regulatory limitations on golden parachute payments or to avoid excise taxes under Internal Revenue Code Section 4999.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If during the term a named executive officer terminates employment due to his death or disability, as defined under the employment agreement, the executive is entitled to receive an amount equal to 1 year of his base salary, payable in 12 equal monthly installments commencing on the first business day of the second month beginning after his date of termination.&nbsp;&nbsp;Any death/disability benefit provided under the employment agreement will be offset by any death or disability benefit or payment provided by or on behalf of CFBank or Company, whether insured or self-insured.&nbsp;&nbsp;All outstanding stock options shall become vested as of the date of termination due to his death or disability, and shall remain exercisable in accordance with the terms of each applicable option award agreement. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The employment agreements also require each of the named executive officers to comply with a non-solicitation covenant during his employment with CFBank and Company during the term of the employment agreements and for a period of one year thereafter (or, if longer, the number of months of severance payments under the employment agreement). </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The employment agreements also provide for a clawback of any incentive paid to, credited to an account on behalf or, or vested in the named executive officer within the prior twenty-four (24) months under certain circumstances if it is later determined that the incentive is directly attributable to materially misleading financial statements.&nbsp;&nbsp;If applicable law or exchange listing regulation would require a more extensive clawback of any incentive, the employment agreements will be deemed to require the minimum clawback necessary to comply with such law or regulation. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">20</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">PROPOSAL 2 &#8211; </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">NON-BINDING ADVISORY VOTE ON NAMED EXECUTIVE OFFICER COMPENSATION</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the &#8220;Dodd-Frank Act&#8221;) and corresponding SEC rules enable the Company&#8217;s stockholders to vote to approve, on an advisory and non-binding basis, the compensation of the Company&#8217;s named executive officers as disclosed in this Proxy Statement in accordance with SEC rules.&nbsp;&nbsp;As a result, the Board of Directors is submitting the following resolution for stockholder approval at the Meeting:</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:7.14%;margin-right:7.14%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:CG Times;font-style:normal;text-transform:none;font-variant: normal;">&#8220;RESOLVED, that the stockholders of Central Federal Corporation (the &#8220;Company&#8221;) hereby approve, on an advisory basis, the compensation of the Company&#8217;s named executive officers as disclosed in the Company&#8217;s Proxy Statement for its 2020 Annual Meeting of Stockholders pursuant to Item&#160;402 of SEC Regulation&#160;S-K, including the compensation tables, notes and narrative disclosures contained under the heading &#8220;COMPENSATION OF EXECUTIVE OFFICERS&#8221; in the Company&#8217;s Proxy Statement.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-right:7.14%;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc347695281"></a><a name="_Toc347912239"></a>The Board of Directors believes that the Company&#8217;s compensation policies and procedures, which are reviewed and approved by the Compensation Committee, are effective in aligning the compensation of the Company&#8217;s named executive officers with the Company&#8217;s short-term goals and long-term success and that such compensation and incentives are designed to attract, retain and motivate the Company&#8217;s key executives who are directly responsible for the Company&#8217;s continued success.&nbsp;&nbsp;The Board of Directors believes that the Company&#8217;s compensation policies and practices do not threaten the value of the Company or the investments of the Company&#8217;s stockholders or create incentives to engage in behaviors or business activities that are reasonably likely to have a material adverse impact on the Company.&nbsp;&nbsp;The Board of Directors further believes that the Company&#8217;s compensation policies and procedures are reasonable in comparison both to the Company&#8217;s peer bank holding companies and to the Company&#8217;s performance during the past year.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Stockholders are encouraged to carefully review the information provided in this Proxy Statement regarding the compensation of the Company&#8217;s named executive officers in the section captioned &#8220;COMPENSATION OF EXECUTIVE OFFICERS&#8221; beginning on page&#160;15 of this Proxy Statement.&nbsp;&nbsp;</p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:CG Times;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Similar &#8220;Say on Pay&#8221; proposals were approved by a majority of the votes cast at each of the Company&#8217;s last seven annual meetings of stockholders.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Because your vote is advisory, the outcome of the vote will not: (i)&#160;be binding upon the Company&#8217;s Board of Directors or the Compensation Committee with respect to future executive compensation decisions, including those relating to the Company&#8217;s named executive officers, or otherwise; (ii)&#160;overrule any decision made by the Company&#8217;s Board of Directors or the Compensation Committee; or (iii)&#160;create or imply any additional fiduciary duty by the Company&#8217;s Board of Directors or the Compensation Committee.&nbsp;&nbsp;However, the Compensation Committee expects to take into account the outcome of the advisory vote when considering future executive compensation arrangements. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:normal;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Recommendation and Vote</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the Bylaws, the affirmative vote of a majority of the votes cast is required to approve Proposal 2.&nbsp;&nbsp;Abstentions and broker non-votes will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors recommends that you vote &#8220;FOR&#8221; Proposal 2.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;</p>
<p style="margin-bottom:3pt;margin-top:12pt;text-indent:0%;;font-weight:bold;font-size:10pt;font-style:italic;font-family:Calibri;text-transform:none;font-variant: normal;"><a name="_Toc347912240"></a><br /><a name="_Toc347912240"></a></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">21</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">PROPOSAL 3 &#8211;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> RATIFICATION OF APPOINTMENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The appointment of the Company&#8217;s independent registered public accounting firm is made annually by the Audit Committee.&nbsp;&nbsp;The Audit Committee, with the approval of the Board of Directors, has appointed BKD, LLP to serve as the Company&#8217;s independent registered public accounting firm for 2020, subject to ratification by stockholders. BKD, LLP audited the Company&#8217;s consolidated financial statements for the fiscal year ended December 31, 2019. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">One or more representatives of BKD, LLP is expected to be present at the Meeting to respond to appropriate questions from stockholders and will have the opportunity to make a statement should he, she or they desire to do so.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:normal;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Recommendation and Vote</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the Bylaws, the affirmative vote of a majority of the votes cast is required to ratify the appointment of BKD, LLP as the Company&#8217;s independent registered public accounting firm for the fiscal year ending December 31, 2020.&nbsp;&nbsp;Abstentions will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.&nbsp;&nbsp;Even if the appointment of BKD, LLP is ratified by the stockholders, the Audit Committee, in its discretion, could decide to engage another firm if the Audit Committee determines such action is necessary or desirable.&nbsp;&nbsp;If the appointment of BKD, LLP is not ratified, the Audit Committee will reconsider the appointment (but may decide to maintain the appointment).</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors recommends that you vote &#8220;FOR&#8221; Proposal 3.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">PROPOSAL 4 &#8211;&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">APPROVAL OF AMENDMENT TO THE CERTIFICATE OF INCORPORATION TO AUTHORIZE THE NON-VOTING COMMON STOCK</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BACKGROUND</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On October 31, 2019, the Company consummated the Private Placement pursuant to which it issued and sold (i) 849,615 shares of the Company&#8217;s Common Stock at a purchase price of $12.00 per share and (ii) 12,337 shares of the Company&#8217;s Series C Preferred Stock, at a purchase price of $1,200.00 per share, pursuant to the Securities Purchase Agreement with Castle Creek and the other Investors. The Private Placement was conducted with the assistance of Sandler O&#8217;Neill &amp; Partners, L.P. (&#8220;Sandler O&#8217;Neill&#8221;) as placement agent.&nbsp;&nbsp;After payment of approximately $1.1 million in placement fees to Sandler O&#8217;Neill and approximately $0.3 million in other offering expenses, the Company&#8217;s net proceeds from the Private Placement were approximately $23.6 million. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The offer and sale of the shares of Series C Preferred Stock and Common Stock in the Private Placement were not registered under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), or under the securities laws of any state in reliance upon the exemption provided under Rule 506 of Regulation D promulgated under the Securities Act and Section 4(a)(2) of the Securities Act as securities offered and sold only to &#8220;accredited investors,&#8221; as such term is defined in Rule 501(a) of Regulation D under the Securities Act in a transaction not involving any public offering.</p>
<p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In connection with the closing of the Private Placement, on October 31, 2019, the Company also entered into a Registration Rights Agreement with Castle Creek and the other Investors, pursuant to which the Company agreed to file a registration statement (and subsequent additional registration statements, as required) with the SEC to register for resale the shares of the Company&#8217;s Common Stock and the Series C Preferred Stock issued in the Private Placement and any shares of the Company&#8217;s Common Stock and Non-Voting Common Stock issuable upon conversion of the Series C Preferred Stock. See the section captioned &#8220;Certain Relationships and Related Party Transactions&#8221; on page 9 of this Proxy Statement for additional information regarding the Registration Rights Agreement.</p> <div></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">22</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU14"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On March </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">30</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, 2020, the Company entered into an Exchange Agreement with Castle Creek to provide for an exchange of 27,000 of the shares of Common Stock purchased by Castle Creek in the Private Placement for 270 shares of Series C Preferred Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (at the Series C Preferred Stock&#8217;s current conversion ratio of 100 shares of Common Stock for each share of Series C Preferred Stock).&nbsp;&nbsp;The exchange of Common Stock for Series C Preferred Stock was effected in order to accommodate and facilitate the Compa</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ny&#8217;s stock repurchase program previously announced on March 13, 2020.&nbsp;&nbsp;The exchange resulted in an increase in the number of outstanding Series C Preferred Stock from 12,337 to 12</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,607.</font></p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">REASONS FOR THE PRIVATE PLACEMENT</p>
<p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors of the Company determined that the Private Placement was advisable and in the best interests of the Company and its stockholders.&nbsp;&nbsp;The purpose of the Private Placement was to fund organic growth in CFBank, to support CFBank&#8217;s capital ratios and for general corporate purposes, including, without limitation, the repayment of a portion of the Company&#8217;s outstanding debt under its credit facility.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">THE PROPOSED AMENDMENT</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Board of Directors has approved an amendment to our Certificate of Incorporation to authorize up to 1,260,700 shares of Non-Voting Common Stock, as described below, and is hereby soliciting stockholder approval for the amendment. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If approved by our stockholders, the Certificate of Amendment to the Certificate of Incorporation, which contains the proposed amendment and is attached as <font style="text-decoration:underline;">Appendix A</font> to this Proxy Statement and incorporated by reference herein (the &#8220;Certificate of Amendment&#8221;), would be filed with the Delaware Secretary of State.  Effective upon the close of business on the date that the Company files the Certificate of Amendment with the Delaware Secretary of State, each share of Series C Preferred Stock would automatically convert into 100 shares of Non-Voting Common Stock. Following such conversion, all shares of Non-Voting Common Stock proposed to be authorized would be issued and outstanding.  If, however, the stockholders do not approve the Certificate of Amendment to authorize the Non-Voting Common Stock at the Meeting, the shares of Series C Preferred Stock will remain outstanding and convertible into the Company&#8217;s Common Stock or, if the Certificate of Amendment is approved by the stockholders at a later time, the Non-Voting Common Stock in accordance with its terms.  </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">REASONS FOR THE PROPOSED AMENDMENT</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The primary purpose of the proposed amendment is to fulfill our obligations under the Securities Purchase Agreement.&nbsp;&nbsp;Due to restrictions on the percentage of voting securities that could be held by the investors in the Private Placement under applicable regulations and guidance from the Board of Governors of the Federal Reserve System (the &#8220;Federal Reserve&#8221;), in order to raise the amount of capital necessary to accomplish the goals of the Private Placement, the Company&#8217;s Board of Directors determined to offer non-voting securities to the investors. Because our Certificate of Incorporation does not currently authorize the issuance of non-voting common stock, the Board of Directors, pursuant to its authority under the Certificate of Incorporation, approved the creation and issuance of the Series C Preferred Stock out of the Company&#8217;s authorized and unissued preferred stock. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="ReturnHere"></a>On October 29, 2019, we filed with the Delaware Secretary of State the Certificate of Designations to designate 12,337 shares of our authorized and unissued preferred stock as Series C Preferred Stock.&nbsp;&nbsp;On March 26,<a name="ReturnHere"></a> 2020, the Company filed with the Delaware Secretary of State a Certificate of Amendment to the Certificate of Designations (the &#8220;Certificate of Amendment&#8221;) of the Series C Preferred Stock to increase the authorized number of Series C Preferred Stock from 12,337 shares to 12,607 shares to accommodate the exchange of certain shares of Common Stock for Series C Preferred Stock by Castle Creek as described above.&nbsp;&nbsp;A copy of the Certificate of Designations, as amended, is attached as <font style="text-decoration:underline;">Appendix B</font> to this Proxy Statement and is incorporated by reference herein.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the terms of the Series C Preferred Stock, as discussed above, each share of Series C Preferred stock will automatically convert into 100 shares of Non-Voting Common Stock effective as of the close of business on the date that the Company files the Certificate of Amendment with the Delaware Secretary of State following approval by the Company&#8217;s stockholders. Under the Certificate of Incorporation and Delaware law, stockholder approval of the amendment to authorize the Non-Voting Common Stock is required. Therefore, the Certificate of Amendment must be approved by the Company&#8217;s stockholders in order to permit the filing of the Certificate of Amendment with the Delaware Secretary of State and, thereafter, the conversion of the outstanding shares of Series C Preferred Stock into shares of Non-Voting Common Stock. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Approval of the Certificate of Amendment to authorize the Non-Voting Common Stock is independent of the approval of the issuance of the Company&#8217;s Common Stock upon conversion of the Series C Preferred Stock or the Non-Voting Common Stock for purposes of NASDAQ Marketplace Rule 5635(d), as set forth in Proposal 5.  The stockholders&#8217; approval or non-approval of Proposal 5 will not affect, or be affected by, the approval or non-approval of this Proposal 4.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">23</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU15"></a><font style="font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">POTENTIAL EFFECTS OF THIS PROPOSED AMENDMENT</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If this amendment is approved by our stockholders, effective as of the close of business on the date that we file the Certificate of Amendment (which we anticipate will be the date of the Meeting), each outstanding share of Series C Preferred Stock will automatically convert into 100 shares of Non-Voting Common Stock, which, in the aggregate, will equal 1,260,700 shares of Non-Voting Common Stock issued and outstanding upon the full conversion of the outstanding shares of Series C Preferred Stock.  Upon such conversion, all shares of Series C Preferred Stock will cease to exist and will resume the status of authorized and unissued shares of the Company&#8217;s preferred stock, and all other rights of the holders of such Series C Preferred Stock, as specified in the Certificate of Designations, will terminate. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Non-Voting Common Stock will rank <font style="font-style:italic;">pari passu</font> with the Company&#8217;s Common Stock with respect to the payment of dividends or distributions. Accordingly, the holders of record of the Non-Voting Common Stock will be entitled to receive as, when and if declared by the Board of Directors, dividends in the same per share amount as paid on the Company&#8217;s Common Stock, and no dividends will be payable on the Company&#8217;s Common Stock or any other class or series of the Company&#8217;s capital stock ranking with respect to dividends <font style="font-style:italic;">pari passu</font> with the Company&#8217;s Common Stock unless a dividend identical to that paid on the Company&#8217;s Common Stock is payable at the same time on the Non-Voting Common Stock in an amount per share equal to the product of (i) the per share dividend declared and paid in respect of each share of the Company&#8217;s Non-Voting Common Stock and (ii) the number of shares of the Company&#8217;s Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock); <font style="font-style:italic;">provided</font>, <font style="font-style:italic;">however</font>, that if a stock dividend is declared on the Company&#8217;s Common Stock payable solely in the Company&#8217;s Common Stock, the holders of the Non-Voting Common Stock will be entitled to a stock dividend payable solely in shares of Non-Voting Common Stock.  In the event that the Board of Directors does not declare or pay any dividends with respect to shares of the Company&#8217;s Common Stock, the holders of the Non-Voting Common Stock will have no right to receive any dividends.&nbsp;&nbsp;The holders of Non-Voting Common Stock will, with respect to rights upon liquidation, winding up and dissolution, rank (i) subordinate and junior in right of payment to all other securities of the Company that, by their respective terms, are senior to the Non-Voting Common Stock or the Company&#8217;s Common Stock, and (ii) <font style="font-style:italic;">pari passu</font> with the Company&#8217;s Common Stock. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The holders of the Non-Voting Common Stock will not have any voting rights, except as may otherwise from time to time be required by law. The Non-Voting Common Stock will not be redeemable at the option of the Company or any holder thereof at any time; <font style="font-style:italic;">provided </font>that the Company will not be prohibited from repurchasing or otherwise acquiring the shares of Non-Voting Common Stock in voluntary transactions with the holders thereof, subject to compliance with any applicable legal or regulatory requirements. Any shares of Non-Voting Common Stock repurchased or otherwise acquired may be reissued as additional shares of Non-Voting Common Stock. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each holder of Non-Voting Common Stock will be permitted to convert or, upon the Company&#8217;s written request, will convert, such holder&#8217;s shares of Non-Voting Common Stock into shares of the Company&#8217;s Common Stock at any time or from time to time; <font style="font-style:italic;">provided</font> that upon such conversion, the holder, together with all affiliates of the holder, will not own or control in the aggregate more than 9.9% of the Company&#8217;s Common Stock (or of any class of the Company&#8217;s voting securities), excluding for the purpose of this calculation any reduction in the ownership resulting from transfers by such holder of voting securities (which, for the avoidance of doubt, does not include the Non-Voting Common Stock); <font style="font-style:italic;">provided</font>, further, that, unless Proposal 5 is approved by the Company&#8217;s stockholders at the Meeting, the Company may not issue any shares of the Company&#8217;s Common Stock upon the conversion of the Non-Voting Common Stock if the issuance of such shares of the Company&#8217;s Common Stock (together with the issuance of shares of the Company&#8217;s Common Stock pursuant to the Securities Purchase Agreement and any issuance of shares of the Company&#8217;s Common Stock upon the conversion of any shares of Series C Preferred Stock in accordance with the Certificate of Designations), in the aggregate, would exceed 19.9% of the total outstanding shares of the Company&#8217;s Common Stock or more than 19.9% of the total voting power of the Company&#8217;s securities, in each case immediately preceding the issuance of shares of the Company&#8217;s Common Stock and Series C Preferred Stock in the Private Placement<font style="Background-color:#FFFFFF;color:#000000;"> (</font>the number of shares which may be issued without violating such limitation, the &#8220;Exchange Cap&#8221;). In any such conversion of the Non-Voting Common Stock, each share of Non-Voting Common Stock will convert into one share of the Company&#8217;s Common Stock, subject to the adjustments set forth in the Certificate of Amendment.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU16"></a>Each share of Non-Voting Common Stock will automatically convert, without any further action on the part of the holder thereof, into one share of the Company&#8217;s Common Stock, subject to adjustment as set forth in the Certificate of Amendment, on the date that the holder of shares of Non-Voting Common Stock transfers any such shares to a non-affiliate of the holder in a transfer (i) to the Company; (ii) in a widely distributed public offering of the Company&#8217;s Common Stock or Non-Voting Common Stock; (iii) that is a part of an offering that is not a widely distributed public offering of the Company&#8217;s Common Stock or Non-Voting Common Stock but is one in which no one transferee (or group of associated transferees) acquires the right to receive 2% or more of any class of the Company&#8217;s then outstanding voting securities (including pursuant to a related </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">24</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">series of transfers); (iv) that is a part of a transfer of the Company&#8217;s </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock or Non-Voting Common Stock to an unde</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">rwriter for the purpose of conducting a widely distributed public offering; or (v) to a transferee that controls more than 50% of the Company&#8217;s voting securities without giving effect to such transfer; in each case, subject to the Exchange Cap, unless Prop</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">osal 5 is approved by the Company&#8217;s stockholders at the Meeting.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon conversion of the shares of Non-Voting Common Stock to shares of the Company&#8217;s Common Stock, the converted shares of the Company&#8217;s Common Stock would have the same rights and privileges as the previously issued and outstanding shares of the Company&#8217;s Common Stock, including the right to cast one vote per share and to participate in dividends when and to the extent declared and paid by the Company. Any issuance of additional shares of the Company&#8217;s Common Stock as a result of the conversion of the shares of Non-Voting Common Stock would increase the total number of outstanding shares of the Company&#8217;s Common Stock, which would result in dilution the percentage ownership, voting power and earnings per share of the existing holders of the Company&#8217;s Common Stock. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">POTENTIAL EFFECTS IF THE PROPOSED AMENDMENT IS NOT APPROVED</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If the Company&#8217;s stockholders do not approve the Certificate of Amendment to authorize the Non-Voting Common Stock, then each share of the Series C Preferred Stock outstanding will automatically convert into 100 shares of the Company&#8217;s Common Stock upon a &#8220;permissible transfer&#8221; by the holder of such shares of Series C Preferred Stock to a non-affiliate of such holder or may be converted into 100 shares of the Company&#8217;s Common Stock at any time; <font style="font-style:italic;">provided</font> that, upon such conversion, the holder and its affiliates will not own more than 9.9% of the Company&#8217;s voting securities; <font style="font-style:italic;">provided</font> further, that, unless Proposal 5 is approved by the Company&#8217;s stockholders at the Meeting, the Company may not issue any shares of Common Stock upon the conversion of the Series C Preferred Stock if the issuance of such shares of the Company&#8217;s Common Stock (taken together with each issuance of shares of the Company&#8217;s Common Stock pursuant to the Securities Purchase Agreement or, following stockholder approval of the Certificate of Amendment at a later time, upon the conversion of the Non-Voting Common Stock) would exceed the Exchange Cap.  A &#8220;permissible transfer&#8221; is a transfer by the holder of Series C Preferred Stock (i) to the Company; (ii) in a widely distributed public offering of the Company&#8217;s Common Stock or Series C Preferred Stock; (iii) that is a part of an offering that is not a widely distributed public offering of the Company&#8217;s Common Stock or Series C Preferred Stock but is one in which no one transferee (or group of associated transferees) acquires the right to receive 2% or more of any class of the Company&#8217;s then outstanding voting securities (including pursuant to a related series of transfers); (iv) that is a part of a transfer of the Company&#8217;s Common Stock or Series C Preferred Stock to an underwriter for the purpose of conducting a widely distributed public offering; or (v) to a transferee that controls more than 50% of the Company&#8217;s voting securities without giving effect to such transfer.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Holders of the Series C Preferred Stock will be entitled to receive dividends when, as and if declared by the Board of Directors, in the same per share amount as paid on the number of shares of the Company&#8217;s Common Stock with respect to the number of shares of Common Stock into which the shares of Series C Preferred Stock would be converted in accordance with the terms set forth in the Certificate of Designations, and no dividends would be payable on the Company&#8217;s Common Stock unless a dividend identical to that paid on the Company&#8217;s Common Stock is payable at the same time on the Series C Preferred Stock on an as-converted basis.  Holders of the Series C Preferred Stock have no voting rights except as may be required by law. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:normal;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Recommendation and Vote</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under Delaware law, the affirmative vote of the holders of a majority of the outstanding shares of the Company&#8217;s Common Stock entitled to vote on this proposal is required to approve an amendment to the Company&#8217;s Certificate of Incorporation to authorize the Non-Voting Common Stock.&nbsp;&nbsp;Failure to execute and return a proxy card or otherwise to vote at the Meeting will have the same effect as a vote &#8220;AGAINST&#8221; the proposal, and abstentions will also be counted as votes &#8220;AGAINST&#8221; this proposal. However, broker non-votes will not be counted as shares entitled to vote on this proposal and, therefore, will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors recommends that you vote &#8220;FOR&#8221; Proposal 4.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">25</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;<font style="font-weight:bold;">PROPOSAL 5 &#8211; &#160;</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">APPROVAL OF ISSUANCE OF SHARES OF COMMON STOCK UPON CONVERSION OF NON-VOTING COMMON STOCK OR SERIES C PREFERRED STOCK</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BACKGROUND OF PROPOSAL</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As described in Proposal 4, on October 31, 2019, we issued to certain accredited investors pursuant to the Securities Purchase Agreement (i) 849,615 shares of the Company&#8217;s Common Stock at a purchase price of $12.00 per share and (ii) 12,377 shares of Series C Preferred Stock at a purchase price of $1,200.00 per share, in the Private Placement, resulting in net proceeds to the Company of approximately $23.6 million.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the terms of the Series C Preferred Stock, as set forth in the Certificate of Designations filed with the Delaware Secretary of State on October 29, 2019, each share of Series C Preferred Stock will be convertible:</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">automatically into 100 shares of the Non-Voting Common Stock (which shall also be convertible into shares of the Company&#8217;s Common Stock on a one-for-one basis pursuant to the terms described under &#8220;Potential Effects of this Proposed Amendment&#8221; under Proposal 4), subject to the approval by the Company&#8217;s stockholders of the Certificate of Amendment described in Proposal 4, effective as of the close of business on the date that the Company files the Certificate of Amendment with the Delaware Secretary of State; or</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:7.14%;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">unless previously converted into shares of Non-Voting Common Stock, 100 shares of the Company&#8217;s Common Stock (i) at any time and from time to time at the request of the holder thereof or at the written request of the Company; </font><font style="font-style:italic;font-family:Times New Roman;">provided</font><font style="font-family:Times New Roman;"> that upon such conversion, the holder, together with all affiliates of the holder, will not own or control in the aggregate more than 9.9% of the Company&#8217;s Common Stock (or of any class of the Company&#8217;s voting securities), excluding for the purpose of this calculation any reduction in the ownership resulting from transfers by such holder of voting securities (which, for the avoidance of doubt, does not included the Series C Preferred Stock); or (ii) automatically, without any further action of the part of the holder, on the date that the holder transfers such share of Series C Preferred Stock to a non-affiliate of the holder in a &#8220;permissible transfer&#8221; (which term is defined under &#8220;Potential Effects if the Proposed Amendment is Not Approved&#8221; in Proposal 4);</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">provided<font style="font-style:normal;"> that, in any such case (including, without limitation, upon the conversion of the Non-Voting Common Stock as described under &#8220;Potential Effects of this Proposed Amendment&#8221; under Proposal 4), unless this Proposal 5 is approved by the Company&#8217;s stockholders at the Meeting, the Company may not issue any shares of Common Stock upon conversion of the Series C Preferred Stock or the conversion of the Non-Voting Common Stock if the issuance of such shares of the Company&#8217;s Common Stock (together with the issuance of shares of the Company&#8217;s Common Stock pursuant to the Securities Purchase Agreement), in the aggregate, would exceed the Exchange Cap. </font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">REASONS FOR REQUESTING STOCKHOLDER APPROVAL</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Common Stock is listed on the NASDAQ Capital Market and, therefore, the Company is subject to the NASDAQ Marketplace Rules.&nbsp;&nbsp;NASDAQ Marketplace Rule 5635(d) requires that an issuer obtain stockholder approval of any transaction, other than a public offering, involving the sale, issuance or potential issuance by the issuer of common stock or securities convertible into or exercisable for common stock if, in the aggregate, the number of shares of common stock issued or to be issued would equal 20% or more of the issuer&#8217;s common stock or voting power outstanding before the issuance.&nbsp;&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Because the Company had a total of 4,490,075 shares of Common Stock outstanding prior to the Private Placement, the Company is restricted by NASDAQ Marketplace Rule 5635 from issuing 898,015 or more shares of Common Stock, or securities convertible into or exercisable for such shares of Common Stock, in a non-public offering without obtaining stockholder approval.&nbsp;&nbsp;In the Private Placement, the Company issued 849,615 shares of the Company&#8217;s Common Stock and 12,337 shares of Series C Preferred Stock.&nbsp;&nbsp;The Company subsequently issued an additional 270 shares of Series C Preferred Stock on March 30, 2020, in connection with the exchange of 27,000 shares of Common Stock for 270 shares of Series C Preferred Stock by Castle Creek as described above.&nbsp;&nbsp;The 12,607 outstanding shares of Series C Preferred Stock are convertible into 1,260,700 shares of the Company&#8217;s Common Stock upon conversion in full of shares of the Non-Voting Common Stock into which such shares would be converted upon approval of Proposal 4 at the Meeting or otherwise pursuant to the terms of the Certificate of Designations.&nbsp;&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">26</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU17"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The aggregate number of shares of the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock issuable upon the conversion of the Series C Pre</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ferred Stock or, subject to the stockholders&#8217; approval of Proposal 4, the Non-Voting Common Stock together with the shares of the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock issued in the Private Placement would exceed 20% of the number of shares of the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and voting power outstanding prior to the Private Placement (which limitation we sometimes refer to in this Proxy Statement as the &#8220;Exchange Cap&#8221;). </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In addition, the $12.00 per share sale price for the shares of the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock and the $12.00 co</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">nversion price of the shares of Series C Preferred Stock sold in the Private Placement were each less than both (i) the market value of the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock at the time we entered into the Securities Purchase Agreement and (ii) the average closing pr</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ice of the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock as reported on NASDAQ for the five trading days immediately preceding the signing of the Securities Purchase Agreement. </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the foregoing reasons, we are required under NASDAQ Marketplace Rule 5635(d) to seek approval of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the Company&#8217;s stockholders for the issuance of the Company&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">S</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">tock in excess of the Exchange Cap upon conversion of the Series C Preferred Stock or, subject to the stockholders approval of Proposal 4, the Non-Voting Common Stock.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the Securities Purchase Agreement, the Company agreed to call and hold its annual meeting of stockholders no later than May 31, 2020, for, among other purposes, presenting a proposal to approve the issuance of shares of the Company&#8217;s Common Stock upon the conversion of the Series C Preferred Stock or the Non-Voting Common Stock in accordance with the requirements of NASDAQ Marketplace Rule 5635(d). The Company has agreed, under the Securities Purchase Agreement, to adjourn or postpone the Meeting if, as of the date of the Meeting, there are insufficient shares of Common Stock represented, in person or by proxy, to constitute a quorum necessary to conduct business at the Meeting or if, as of the date of the Meeting, the Company has not received proxies representing a sufficient number of shares necessary to obtain stockholder approval for Proposal 4 or Proposal 5, to allow for the solicitation of additional proxies representing a sufficient number of shares of the Company&#8217;s Common Stock to establish a quorum or obtain stockholder approval, as applicable.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Approval of the issuance of shares of the Company&#8217;s Common Stock upon conversion of the Series C Preferred Stock or Non-Voting Common Stock under this Proposal 5 is independent of the approval of the Certificate of Amendment to authorize the Non-Voting Common Stock, as described in Proposal 4.  The stockholders&#8217; approval or non-approval of Proposal 4 will not affect, or be affected by, the approval or non-approval of this Proposal 5.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">POSSIBLE EFFECTS IF PROPOSAL 5 IS APPROVED</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Conversion of the Series C Preferred Stock into Common Stock<font style="font-style:normal;">. Each share of Series C Preferred Stock, unless previously converted into Non-Voting Common Stock, may be converted into 100 shares of the Company&#8217;s Common Stock pursuant to the terms of the Certificate of Designations for an initial conversion price of $12.00 per share. The Certificate of Designations is attached as </font><font style="text-decoration:underline;font-style:normal;">Appendix B</font><font style="font-style:normal;"> to this Proxy Statement and is incorporated by reference herein.  Conversion of all outstanding shares of Series C Preferred Stock would result in the issuance of 1,260,700 shares of the Company&#8217;s Common Stock.  The rights and privileges associated with the Common Stock issuable upon conversion of the Series C Preferred Stock will be identical to the rights and privileges associated with the Common Stock held by the Company&#8217;s existing stockholders.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Conversion of the Non-Voting Common Stock into Common Stock. <font style="font-style:normal;">Subject to stockholder approval of the Non-Voting Common Stock, each share of Non-Voting Common Stock issuable upon conversion of the shares of Series C Preferred Stock (with one share of Series C Preferred Stock converting into 100 shares of Non-Voting Common Stock) may be converted into one share of the Company&#8217;s Common Stock pursuant to the terms of the Certificate of Amendment for an initial conversion price of $12.00 per share. The Certificate of Amendment is attached as </font><font style="text-decoration:underline;font-style:normal;">Appendix A</font><font style="font-style:normal;"> to this Proxy Statement and is incorporated by reference herein.  Assuming that all outstanding shares of Series C Preferred Stock are converted into shares of Non-Voting Common Stock, the conversion of the 1,260,700 shares of Non-Voting Common Stock issuable upon conversion of the Series C Preferred Stock would result in the issuance of 1,260,700 shares of the Company&#8217;s Common Stock. The rights and privileges associated with the Common Stock issuable upon conversion of the Non-Voting Common Stock would be identical to the rights and privileges associated with the Common Stock held by the Company&#8217;s existing stockholders. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Dilution of the Company&#8217;s Existing Stockholders<font style="font-style:normal;">. Upon full conversion of the Series C Preferred Stock or, if the stockholders approve Proposal 4, the Non-Voting Common Stock, the Company would issue an aggregate of 1,260,700 shares of the Company&#8217;s Common Stock.&nbsp;&nbsp;Together with the shares of the Company&#8217;s Common Stock issued in the Private Placement,  an aggregate of 2,083,315 shares of the Company&#8217;s Common Stock will have been issued in connection with the Private Placement. As a result, the Company&#8217;s existing stockholders prior to the Private Placement will incur a dilution in their percentage ownership, voting power and earnings per share. Assuming the conversion of all of the Series C Preferred Stock or Non-Voting Common Stock into shares of the Company&#8217;s Common Stock, the existing holders of the Company&#8217;s Common Stock immediately prior to the Private Placement would represent approximately 68.3% of the Common Stock after such conversion.</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">27</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU18"></a><font style="font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Improved Balance Sheet and Capital Levels</font><font style="font-style:normal;">.&nbsp;&nbsp;The Company received net proceeds of approximately $</font><font style="font-style:normal;">23.6 million</font><font style="font-style:normal;"> from the sale of the Company&#8217;s </font><font style="font-style:normal;">C</font><font style="font-style:normal;">ommon </font><font style="font-style:normal;">S</font><font style="font-style:normal;">tock and Series C Preferred Stock in the Private Placement.</font><font style="font-style:normal;">&nbsp;&nbsp;These proceeds strengthened the Company&#8217;s balance sheet and increased the Company&#8217;s and CFBank&#8217;s regulatory capital levels.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Market Effects of the Conversion<font style="font-style:normal;">.&nbsp;&nbsp;Despite the existence of certain restrictions on transfer, the issuance of shares of the Company&#8217;s Common Stock upon the conversion of the Series C Preferred Stock or the Non-Voting Common Stock may impact trading patterns and adversely affect the market price of the Company&#8217;s Common Stock.&nbsp;&nbsp;Additionally, sales in the public market of the shares of the Company&#8217;s Common Stock acquired upon conversion of the Series C Preferred Stock or the Non-Voting Common Stock, or the perception that such sales could occur, could adversely affect the prevailing market price of the Company&#8217;s Common Stock and impair the Company&#8217;s ability to raise funds in additional stock financings.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">POSSIBLE EFFECTS IF PROPOSAL 5 IS NOT APPROVED</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Series C Preferred Stock or Non-Voting Common Stock Will Remain Outstanding<font style="font-style:normal;">.  Unless our stockholders approve this Proposal 5 (or a similar proposal at a subsequent meeting), the Company cannot issue shares of Common Stock upon the conversion of the Series C Preferred Stock or, if the stockholders approve Proposal 4, the Non-Voting Common Stock if the issuance of such shares, together with the shares of the Company&#8217;s Common Stock issued in the Private Placement, would exceed the Exchange Cap.  The Company may not issue shares of the Company&#8217;s Common Stock to the holders of the Series C Preferred Stock and, if authorized, the Non-Voting Common Stock in an aggregate amount greater than the difference between the Exchange Cap, less the aggregate number of shares of the Company&#8217;s Common Stock issued under the Securities Purchase Agreement (such difference being referred to in this Proposal 5 as the &#8220;Exchange Cap Maximum&#8221;).&nbsp;&nbsp;In addition, no holder of shares of Series C Preferred Stock or, if authorized, Non-Voting Common Stock would be permitted to convert such shares with respect to more than such holder&#8217;s pro rata amount of the Exchange Cap Maximum determined based upon the holder&#8217;s percentage ownership of the sum of (i) the aggregate number of shares of the Company&#8217;s Common Stock issued to all purchasers that purchased Series C Preferred Stock in the Private Placement and (ii) the aggregate number of shares of the Company&#8217;s Common Stock issuable upon the conversion of all shares of Series C Preferred Stock and/or Non-Voting Common Stock, if any.&nbsp;&nbsp; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Participation in Dividends on Common Stock<font style="font-style:normal;">.  So long as any shares of Series C Preferred Stock or Non-Voting Common Stock remain outstanding, if we declare any dividends on the Company&#8217;s Common Stock or make any other distribution to the holders of the Company&#8217;s Common Stock, the holders of the Series C Preferred Stock and the Non-Voting Common Stock, if any, will be entitled to participate in such distribution.  With respect to the Series C Preferred Stock, the holders thereof would be entitled to receive any such dividends or distributions on a pro rata basis with the Company&#8217;s Common Stock determined on an as-converted basis assuming that all shares of Series C Preferred Stock had been converted as of immediately prior to the record date for the applicable dividend or distribution.  With respect to the Non-Voting Common Stock, the holders thereof would be entitled to receive any such dividends or distributions in the same per share amount as paid on the Company&#8217;s Common Stock.  In either case, no dividends shall be payable on the Company&#8217;s Common Stock (or any class or series of the Company&#8217;s capital stock ranking with respect to dividends or distributions </font>pari passu<font style="font-style:normal;"> with the Common Stock) unless the required dividend or distribution is payable at the same time on any outstanding shares of Series C Preferred Stock and Non-Voting Common Stock.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Reservation of Shares Issuable Upon Conversion<font style="font-style:normal;">. The Company must, at all times, reserve and keep available out of its authorized but unissued shares of Common Stock the number of shares of Common Stock as would be sufficient from time to time to effect the conversion of the Series C Preferred Stock or, if approved, the Non-Voting Common Stock.  If at any time the authorized but unissued shares of the Company&#8217;s Common Stock would not be sufficient to effect the full conversion of all then outstanding shares of Series C Preferred Stock and Non-Voting Common Stock, the Company must take such action as may be necessary to increase its authorized number of shares of Common Stock to a sufficient number. Therefore, regardless of whether the stockholders approve this Proposal 5, the Company will be obligated, so long as any shares of Series C Preferred Stock or Non-Voting Common Stock remain outstanding, to reserve a sufficient number of authorized but unissued shares of its Common Stock available for issuance upon the conversion of the</font><font style="font-size:12pt;font-style:normal;"> </font><font style="font-style:normal;">Series C Preferred Stock or Non-Voting Common Stock.</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">28</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU19"></a><font style="font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">DESCRIPTION OF THE SERIES C PREFERRED STOCK</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">This section summarizes specific terms and provisions of the Series C Preferred Stock. The description of the Series C Preferred Stock contained in this section is qualified in its entirety by the actual terms of the Series C Preferred Stock as set forth in the Certificate of Designations attached as <font style="text-decoration:underline;">Appendix B</font> to this Proxy Statement<font style="font-style:normal;">. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">General</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Series C Preferred Stock constitutes a single series of our preferred stock, consisting of 12,607 shares, $0.01 par value per share.&nbsp;&nbsp;The Series C Preferred Stock is not subject to any sinking fund or other obligation of the Company to redeem or repurchase the Series C Preferred Stock.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Ranking</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Series C Preferred Stock ranks, as to the payment of dividends and distribution of assets upon dissolution, liquidation or winding up of the Company, (i) <font style="font-style:italic;">pari passu</font> with the Company&#8217;s Common Stock pro rata on an as-converted basis and (ii) subordinate and junior to all other securities of the Company which, by their respective terms, are senior to the Series C Preferred Stock or the Company&#8217;s Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Dividend Rights</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Holders of the Series C Preferred Stock are entitled to receive dividends when, as and if declared by the Company&#8217;s Board of Directors, in the same amount as paid on the number of shares of the Company&#8217;s Common Stock into which each share of Series C Preferred Stock would be converted in accordance with the Certificate of Designations.  No dividends will be payable on the Company&#8217;s Common Stock unless a dividend identical to that paid on the Company&#8217;s Common Stock is payable at the same time on the Series C Preferred Stock on an as-converted basis; <font style="font-style:italic;">provided</font> that if any stock dividend is declared on the Company&#8217;s Common Stock, the holders of Series C Preferred Stock will be entitled to receive such dividend payable in shares of Series C Preferred Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Voting</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The holders of shares of Series C Preferred Stock have no voting rights, except as may be required by Delaware law and as set forth in the Certificate of Designations.  If the holders of shares of Series C Preferred Stock are entitled by law to vote as a single class with the holders of outstanding shares of the Company&#8217;s Common Stock, each share of Series C Preferred Stock shall be entitled to a number of votes equal to the number of shares of Common Stock into which such share may be converted.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">So long as any shares of Series C Preferred Stock are issued and outstanding, the Company will not (including by means of merger, consolidation or otherwise) without obtaining the approval of the holders of a majority of the issued and outstanding shares of Series C Preferred Stock: </p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">alter or change the rights, preferences, privileges or restrictions provided for the benefit of the holders of the Series C Preferred Stock so as to affect them adversely; </font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">increase or decrease the authorized number of shares of Series C Preferred Stock; or</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">enter into any agreement, merger or business combination, or engage in any other transaction, or take any action that would have the effect of adversely changing any preference or any relative or other right provided for the benefit of the holders of the Series C Preferred Stock.&nbsp;&nbsp; </font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Redemption and Repurchase</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Series C Preferred Stock is not redeemable by the Company or the holder.  However, in the event that the Company offers to repurchase shares of the Company&#8217;s Common Stock, the Company must offer to repurchase shares of the Series C Preferred Stock pro rata based upon the number of shares of the Company&#8217;s Common Stock such holders would be entitled to receive if such shares were converted into shares of the Company&#8217;s Common Stock immediately prior to such repurchase.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Conversion </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.14%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU20"></a>Mandatory Conversion. <font style="font-style:normal;">Subject to the limitation described under &#8220;&#8212;</font>Exchange Cap Limitation<font style="font-style:normal;">&#8221; below, each share of Series C Preferred Stock will automatically convert into 100 shares of the Company&#8217;s Non-Voting Common Stock effective as </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">29</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;"><font style="font-style:normal;">of the close of business on the date that the Company obtains stockholder approval for, and files, the Certificate of Amendment to authorize the Non-Voting Common Stock. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.14%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Optional Conversion<font style="font-style:normal;">.  Subject to the limitation described under &#8220;&#8212;</font>Exchange Cap Limitation<font style="font-style:normal;">&#8221; below, each share of Series C Preferred Stock, unless previously converted into shares of Non-Voting Common Stock, will be convertible into 100 shares of the Company&#8217;s Common Stock (i) at any time and from time to time at the request of the holder thereof or at the written request of the Company; </font>provided<font style="font-style:normal;"> that upon such conversion, the holder, together with all affiliates of the holder, will not own or control in the aggregate more than 9.9% of the Company&#8217;s Common Stock (or of any class of the Company&#8217;s voting securities), excluding for the purpose of this calculation any reduction in the ownership resulting from transfers by such holder of voting securities (which, for the avoidance of doubt, does not included the Series C Preferred Stock); or (ii) automatically, without any further action of the part of the holder, on the date that the holder transfers such share of Series C Preferred Stock to a non-affiliate of the holder in a &#8220;permissible transfer&#8221; (which term is defined under &#8220;Potential Effects if the Proposed Amendment is Not Approved&#8221; in Proposal 4).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.14%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Exchange Cap Limitation<font style="font-style:normal;">.  However, the Company may not issue any shares of Common Stock upon the conversion of the Series C Preferred Stock (or the conversion of shares of Non-Voting Common Stock issuable upon conversion of the Series C Preferred Stock) if the issuance of such shares of the Company&#8217;s Common Stock (together with any issuance of shares of the Company&#8217;s Common Stock in the Private Placement and upon the conversion of any shares of Non-Voting Common Stock) would exceed 19.9% of the total outstanding shares of Common Stock or more than 19.9% of the total voting power of the Company&#8217;s securities in each case immediately preceding the issuance of shares of the Company&#8217;s Common Stock and Series C Preferred Stock in the Private Placement (which limitation we sometimes refer to in this Proxy Statement as the &#8220;Exchange Cap&#8221;), unless the stockholders approve the issuance of shares of the Company&#8217;s Common Stock in excess of the Exchange Cap, as required by NASDAQ Marketplace Rule 5635(d). </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.14%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Adjustment<font style="font-style:normal;">.  If the Company, at any time prior to the conversion of the Series C Preferred Stock, (i) effects a division of the Company&#8217;s Common Stock into a greater number of shares (by stock split, reclassification or otherwise than by payment of a stock dividend), or (ii) combines or consolidates the outstanding shares of the Company&#8217;s Common Stock, by reclassification, reverse stock split or otherwise, into a lesser number of shares of Common Stock, then the dividend, liquidation, and conversion rights of each share of Series C Preferred Stock in effect immediately prior to such event will, concurrently with the effectiveness of such event, be proportionately decreased or increased, as appropriate.  In addition, if the Company&#8217;s Common Stock is changed into the same or different number of shares of any class or classes of stock, whether by capital reorganization, reclassification or otherwise (other than a division or combination of shares addressed above), (a) the conversion ratio then in effect will, effective upon such transaction, be adjusted so that each share of the Series C Preferred Stock will be convertible into, in lieu of the shares of the Company&#8217;s Common Stock issuable upon the conversion of such share of Series C Preferred Stock, a number of shares of such other class or classes of stock equal to the product of (I) the number of shares of such other class or classes of stock that a holder of a share of the Company&#8217;s Common Stock would be entitled to receive in such transaction and (II) the number of shares of the Company&#8217;s Common Stock into which such share of Series C Preferred Stock is then convertible (without regard to any limitations on conversion of the Series C Preferred Stock set forth in the Certificate of Designations) immediately before that transaction and (b) any dividends or distributions payable with respect to such share of Series C Preferred Stock will, effective upon such transaction, be adjusted so that each share of Series C Preferred Stock will be entitled to receive such dividends and distributions, with respect to a number of shares of such other class or classes of stock, in lieu of the shares of the Company&#8217;s Common Stock issuable upon conversion of such share of Series C Preferred Stock, equal to the product of (i) the number of shares of such other class or classes of stock that a holder of a share of the Company&#8217;s Common Stock would be entitled to receive in such transaction and (ii) the number of shares of the Company&#8217;s Common Stock into which such share of Series C Preferred Stock is then convertible (without regard to any limitations on conversion of the Series C Preferred Stock set forth in the Certificate of Designations) immediately before that transaction.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">DESCRIPTION OF THE NON-VOTING COMMON STOCK</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">This section summarizes specific terms and provisions of the Non-Voting Common Stock. The description of the Non-Voting Common Stock contained in this section is qualified in its entirety by the actual terms of the Non-Voting Common Stock as set forth in the Certificate of Amendment attached as <font style="text-decoration:underline;">Appendix A</font> to this Proxy Statement<font style="font-style:normal;">. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">General</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU21"></a>Upon approval of the Certificate of Amendment to authorize the Non-Voting Common Stock at the Meeting and the filing of the Certificate of Amendment with the Delaware Secretary of State, the Non-Voting Common Stock will constitute a new class </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">30</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of the Compan</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">y&#8217;s </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">consisting of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1,260,700</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> shares, $0.01 par value per share.&nbsp;&nbsp;The Non-Voting Common Stock is not subject to any sinking fund or other obligation of the Company to redeem</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> or repurchase the Non-Voting Common Stock.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Ranking</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Non-Voting Common Stock will rank, as to the payment of dividends and distribution of assets upon dissolution, liquidation or winding up of the Company, (i) <font style="font-style:italic;">pari passu</font> with the Company&#8217;s Common Stock and (ii) subordinate and junior to all other securities of the Company which, by their respective terms, are senior to the Non-Voting Common Stock or the Company&#8217;s Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Dividend Rights</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Holders of the Non-Voting Common Stock will be entitled to receive dividends when, as and if declared by the Company&#8217;s Board of Directors, in the same per share amount as paid on Company&#8217;s Common Stock.  No dividends will be payable on the Company&#8217;s Common Stock unless a dividend identical to that paid on the Company&#8217;s Common Stock is payable at the same time on the Non-Voting Common Stock in an amount per share equal to the product of (i) the per share dividend declared and paid in respect of each share of the Company&#8217;s Common Stock and (ii) the number of shares of the Company&#8217;s Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to limitations on conversion of such Non-Voting Common Stock); <font style="font-style:italic;">provided</font> that if any stock dividend is declared on the Company&#8217;s Common Stock, the holders of Non-Voting Common Stock will be entitled to receive such dividend payable in shares of Non-Voting Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Voting</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The holders of shares of Non-Voting Common Stock have no voting rights, except as may be required by Delaware law and as set forth in the Certificate of Amendment.  If the holders of shares of Non-Voting Common Stock are entitled by law to vote as a single class with the holders of outstanding shares of the Company&#8217;s Common Stock, each share of Non-Voting Common Stock shall be entitled to a number of votes equal to the number of shares of the Company&#8217;s Common Stock into which such share may be converted.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">So long as any shares of Non-Voting Common Stock are issued and outstanding, the Company will not (including by means of merger, consolidation or otherwise) without obtaining the approval of the holders of a majority of the issued and outstanding shares of Non-Voting Common Stock: </p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">alter or change the rights, preferences, privileges or restrictions provided for the benefit of the holders of the Non-Voting Common Stock so as to affect them adversely; </font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">increase or decrease the authorized number of shares of Non-Voting Common Stock; or</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:3.57%;white-space:nowrap">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:'Times New Roman';font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#x2022;</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:0pt;margin-bottom:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:10pt;"><font style="font-family:Times New Roman;">enter into any agreement, merger or business combination, or engage in any other transaction, or take any action that would have the effect of adversely changing any preference or any relative or other right provided for the benefit of the holders of the Non-Voting Common Stock.&nbsp;&nbsp; </font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Redemption and Repurchase</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Non-Voting Common Stock is not redeemable by the Company or the holder.  However, in the event that the Company offers to repurchase shares of the Company&#8217;s Common Stock, the Company must offer to repurchase shares of the Non-Voting Common Stock pro rata based upon the number of shares of the Company&#8217;s Common Stock such holders would be entitled to receive if such shares were converted into shares of the Company&#8217;s Common Stock immediately prior to such repurchase.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Conversion </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.14%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU22"></a>Optional Conversion<font style="font-style:normal;">.  Subject to the limitation described under &#8220;&#8212;</font>Exchange Cap Limitation<font style="font-style:normal;">&#8221; below, each share of Non-Voting Common Stock will be convertible into one share of the Company&#8217;s Common Stock (i) at any time and from time to time at the request of the holder thereof or at the written request of the Company; </font>provided<font style="font-style:normal;"> that upon such conversion, the holder, together with all affiliates of the holder, will not own or control in the aggregate more than 9.9% of the Company&#8217;s Common Stock (or of any class of the Company&#8217;s voting securities), excluding for the purpose of this calculation any reduction in the ownership resulting from transfers by such holder of voting securities (which, for the avoidance of doubt, does not included the Non-Voting Common Stock); or (ii) automatically, without any further action of the part of the holder, on the date that the holder transfers such share of Non-Voting Common Stock to a non-affiliated of the holder in a &#8220;permissible transfer,&#8221; which is defined as a transfer by the holder of Non-Voting Common Stock (i) to the Company; (ii) in a widely distributed </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">31</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;"><font style="font-style:normal;">public</font><font style="font-style:normal;"> offering of the Company&#8217;s </font><font style="font-style:normal;">Common Stock</font><font style="font-style:normal;"> or Non-Voting Common Stock; (iii) that is a part of an offering that is not a widely distributed public offering of the Company&#8217;s </font><font style="font-style:normal;">Common Stock</font><font style="font-style:normal;"> or Non-Voting Common Stock but is one in which no one transferee (or grou</font><font style="font-style:normal;">p of associated transferees) acquires the right to receive 2% or more of any class of the Company&#8217;s then outstanding voting securities (including pursuant to a related series of transfers); (iv) that is a part of a transfer of the Company&#8217;s </font><font style="font-style:normal;">Common Stock</font><font style="font-style:normal;"> or</font><font style="font-style:normal;"> Non-Voting Common Stock to an underwriter for the purpose of conducting a widely distributed public offering; or (v) to a transferee that controls more than 50% of the Company&#8217;s voting securities without giving effect to such transfer.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.14%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Exchange Cap Limitation<font style="font-style:normal;">.  However, the Company may not issue any shares of Common Stock upon the conversion of the Non-Voting Common Stock if the issuance of such shares of the Company&#8217;s Common Stock (together with any issuance of shares of the Company&#8217;s Common Stock in the Private Placement and upon the conversion of any shares of Series C Preferred Stock) would exceed 19.9% of the total outstanding shares of Common Stock or more than 19.9% of the total voting power of the Company&#8217;s securities in each case immediately preceding the issuance of shares of the Company&#8217;s Common Stock and Series C Preferred Stock in the Private Placement (which limitation we sometimes refer to in this Proxy Statement as the &#8220;Exchange Cap&#8221;), unless the stockholders approve the issuance of shares of the Company&#8217;s Common Stock in excess of the Exchange Cap, as required by NASDAQ Marketplace Rule 5635(d). </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.14%;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">Adjustment<font style="font-style:normal;">.  If the Company, at any time prior to the conversion of the Series C Preferred Stock, (i) effects a division of the Company&#8217;s Common Stock into a greater number of shares (by stock split, reclassification or otherwise than by payment of a stock dividend), or (ii) combines or consolidates the outstanding shares of the Company&#8217;s Common Stock, by reclassification, reverse stock split or otherwise, into a lesser number of shares of Common Stock, then the dividend, liquidation, and conversion rights of each share of Non-Voting Common Stock in effect immediately prior to such event will, concurrently with the effectiveness of such event, be proportionately decreased or increased, as appropriate. In addition, if the Company&#8217;s Common Stock is changed into the same or different number of shares of any class or classes of stock, whether by capital reorganization, reclassification or otherwise (other than a division or combination of shares addressed above), (a) the conversion ratio then in effect will, effective upon such transaction, be adjusted so that each share of the Non-Voting Common Stock will be convertible into, in lieu of the shares of Common Stock issuable upon the conversion of such share of Non-Voting Common Stock, a number of shares of such other class or classes of stock equal to the product of (I) the number of shares of such other class or classes of stock that a holder of a share of the Company&#8217;s Common Stock would be entitled to receive in such transaction and (II) the number of shares of the Company&#8217;s Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock set forth in the Certificate of Amendment) immediately before that transaction and (b) any dividends or distributions payable with respect to such share of Non-Voting Common Stock will, effective upon such transaction, be adjusted so that each share of Non-Voting Common Stock will be entitled to receive such dividends and distributions, with respect to a number of shares of such other class or classes of stock, in lieu of the shares of the Company&#8217;s Common Stock issuable upon conversion of such share of Non-Voting Common Stock, equal to the product of (i) the number of shares of such other class or classes of stock that a holder of a share of the Company&#8217;s Common Stock would be entitled to receive in such transaction and (ii) the number of shares of the Company&#8217;s Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock set forth in the Certificate of Amendment) immediately before that transaction.</font></p>
<p style="text-align:center;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Recommendation and Vote</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under NASDAQ Listing Rule 5635, the affirmative vote of a majority of the votes cast is required for approval of the proposal to approve the issuance of shares of the Company&#8217;s Common Stock upon conversion of the Non-Voting Common Stock or the Series C Preferred Stock.&nbsp;&nbsp;Abstentions and broker non-votes are not counted as votes cast and will not be counted in determining whether Proposal 5 has been approved.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors recommends that you vote &#8220;<font style="font-style:italic;">FOR</font>&#8221; Proposal 5.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">32</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">PROPOSAL 6 &#8211; &#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:14.29%;margin-right:14.29%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">ADJOURNMENT OF THE MEETING</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In the event there are not sufficient votes at the time of the Meeting to approve the proposed amendment to our Certificate of Incorporation to authorize the Non-Voting Common Stock (Proposal 4) or, for purposes of NASDAQ Marketplace Rule 5635(d), the issuance of&nbsp;&nbsp;shares of the Company&#8217;s Common Stock upon conversion of the Company&#8217;s Series C Preferred Stock (Proposal 5), our Board of Directors may propose to adjourn the Meeting to a later date or dates in order to permit the solicitation of additional proxies (the &#8220;Adjournment Proposal&#8221;).&#160;&#160;Pursuant to Delaware law, the Board of Directors is not required to fix a new record date to determine the stockholders entitled to vote at the adjourned meeting.&#160;&#160;If the Board of Directors does not fix a new record date, it is not necessary to give any notice of the time and place of the adjourned meeting other than an announcement at the meeting at which the adjournment is taken.&#160;&#160;If a new record date is fixed, notice of the adjourned meeting will be given as in the case of an original meeting.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In order to permit proxies that have been received by us at the time of the Meeting to be voted for an adjournment of the Meeting, if necessary, we are submitting the Adjournment Proposal to stockholders as a separate matter for consideration.&nbsp;&nbsp;Approval of the Adjournment Proposal by the Company&#8217;s stockholders will authorize the holder of any proxy solicited by our Board of Directors to vote in favor of adjourning the Meeting and any later adjournments.&nbsp;&nbsp;If our stockholders approve the Adjournment Proposal, we may adjourn the Meeting, and any adjourned session of the Meeting, to use the additional time to solicit additional proxies in favor of Proposal 4 and/or Proposal 5, including the solicitation of proxies from our stockholders who have previously voted against the relevant proposal(s).&nbsp;&nbsp;Among other things, approval of the Adjournment Proposal could mean that, even if proxies representing a sufficient number of votes against Proposal 4 or Proposal 5 have been received, we could adjourn the Meeting without a vote on such proposal and seek to convince the holders of those shares to change their votes to votes in favor of that proposal.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Recommendation and Vote</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Under the Company&#8217;s Bylaws, the affirmative vote of a majority of the votes cast is required to approve the Adjournment Proposal.&#160;&#160;<font style="color:#000000;">Abstentions and broker non-votes will not be counted as votes &#8220;FOR&#8221; or &#8220;AGAINST&#8221; this proposal and will have no effect on the outcome of this proposal.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">The Board of Directors recommends that you vote &#8220;FOR&#8221; Proposal 6.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">33</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;"><a name="C22307147"></a><a name="C22307148"></a><a name="C22307149"></a><a name="C22307150"></a><a name="C22307151"></a><a name="C22307152"></a>&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BENEFICIAL OWNERSHIP OF </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">COMPANY COMMON STOCK</p>
<p style="text-align:justify;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following table provides information as of April 13, 2020 about the persons known by the Company to be beneficial owners of more than 5% of the Company&#8217;s outstanding Common Stock.&nbsp;&nbsp;A person may be considered to beneficially own any shares of Common Stock over which he or she has, directly or indirectly, sole or shared voting or investment power.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
<tr style="height:1pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
</tr>
<tr style="height:51pt;">
<td valign="bottom"  style="width:62.22%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Name and Address of Beneficial Owner</p></td>
<td valign="bottom"  style="width:2%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Amount and Nature of Beneficial Ownership</p></td>
<td valign="bottom"  style="width:2%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Percent of Common Stock Outstanding <sup style="font-size:85%;line-height:120%;vertical-align:top">(1)</sup></p></td>
</tr>
<tr style="height:8.25pt;">
<td valign="bottom"  style="width:62.22%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:15.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Edward W Cochran<sup style="font-size:85%;line-height:120%;vertical-align:top"> (2)</sup></p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 308,074</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5.8%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">20030 Marchmont Road</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Shaker Heights, OH&nbsp;&nbsp;44122</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:8.25pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:15.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">AllianceBernstein L.P. <sup style="font-size:85%;line-height:120%;vertical-align:top">(3)</sup></p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 434,162</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8.1%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1345 Avenue of the Americas</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">New York, NY&nbsp;&nbsp;10105</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:8.25pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:15.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Castle Creek Capital Partners VII, LP <sup style="font-size:85%;line-height:120%;vertical-align:top">(4)</sup></p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 504,299</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9.5%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6051 El Tordo</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:62.22%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">PO Box 1329</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:17.8pt;">
<td valign="bottom"  style="width:62.22%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Rancho Santa Fe, CA&nbsp;&nbsp;92067</p>
<p style="margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:62.22%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
</table></div> <div></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:6pt;margin-top:0pt;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)</font></p></td>
<td valign="top">
<p style="margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;">Percent of Common Stock Ownership is computed based on the sum of (a) <font style="color:#000000;">5,328,697</font> shares of Common Stock outstanding on April 13, 2020, and (b) the number of shares of Common Stock, if any, as to which the named person has the right to acquire beneficial ownership upon the exercise of options which are currently exercisable or will first become exercisable within 60 days after April 13, 2020,</p></td></tr></table></div> <div></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:6pt;margin-top:0pt;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)</font></p></td>
<td valign="top">
<p style="margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;">Based on information provided to the Company, Mr. Cochran has sole voting power over 308,074 shares of the outstanding Common Stock of the Company. </p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:6pt;margin-top:0pt;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)</font></p></td>
<td valign="top">
<p style="margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;">Based on information contained in a statement on Schedule 13G filed on February 14, 2020, AllianceBernstein L.P. has sole voting power and sole investment power over 434,162 shares of the outstanding Common Stock of the Company.</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:6pt;margin-top:0pt;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)</font></p></td>
<td valign="top">
<p style="margin-bottom:6pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;">Based on information contained in an amendment to the statement on Schedule 13D jointly filed on March 31, 2020 by Castle Creek Capital Partners VII, LP (&#8220;Fund VII&#8221;) and Castle Creek Capital VII LLC (&#8220;CCC VII&#8221;), and additional information provided to the Company, each of Fund VII and CCC VII have shared voting power and shared investment power over 504,299 shares of the outstanding Common Stock of the Company.&nbsp;&nbsp;CCC VII disclaims beneficial ownership of the Common Stock owned by Fund VII, except to the extent of its pecuniary interest therein.&nbsp;&nbsp;Excludes (i)&#160;11,840 shares of Series&#160;C Preferred Stock (which would be convertible into an aggregate of 1,184,000 shares of Common Stock) and (ii)&#160;restricted stock awards representing 1,650 underlying shares of Common Stock issued to Castle Creek Advisors IV LLC (&#8220;Advisors IV&#8221;) on behalf of John Pietrzak in his capacity as a member of the Board, which awards vest over a three-year period.&#160; Since Fund VII does not presently, and will not within the next 60 days, have the right to acquire Common Stock in respect of such Series&#160;C Preferred Stock and such restricted stock awards, those underlying shares are not included in the amount reported.</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">34</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU23"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The following table sets forth information as of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">April </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">13</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, 2020</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> with respect to the number of shares of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Company</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">'s</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> considered to be beneficially owned by each director or nominee for director of the Company, by each executive officer named in the Summary Compensation Table, and by all directors and executive officers of the Company as a group.&nbsp;&nbsp;A person may be conside</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">red to beneficially own any shares of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> over which he or she has, directly or indirectly, sole or shared voting or investment power.</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.14%;"><font style="margin-left:36pt;"></font><font style="font-size:1pt;margin-left:36pt;"></font>&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
<tr style="height:1pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:1pt;">&nbsp;</p></td>
</tr>
<tr style="height:28.5pt;">
<td colspan="2" valign="top"  style="width:68.42%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td colspan="3" valign="top"  style="width:31.58%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Amount and Nature of Beneficial Ownership <sup style="font-size:85%;line-height:120%;vertical-align:top">(1) (2)</sup></p></td>
</tr>
<tr style="height:12.75pt;">
<td colspan="2" valign="top"  style="width:68.42%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:14.02%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Shares</p></td>
<td valign="top"  style="width:2.24%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:15.32%; border-top:solid 0.75pt #000000; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Percent</p></td>
</tr>
<tr style="height:4.5pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert E Hoeweler, Chairman of the Board, Director <sup style="font-size:85%;line-height:120%;vertical-align:top">(3)</sup></p></td>
<td valign="top"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 56,551</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1.1%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Thomas P. Ash, Director <sup style="font-size:85%;line-height:120%;vertical-align:top">(4)</sup></p></td>
<td valign="top"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 28,064</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">*</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Edward W Cochran, Director <sup style="font-size:85%;line-height:120%;vertical-align:top">(5)</sup></p></td>
<td valign="top"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 308,074</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5.8%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">James H. Frauenberg, Director<sup style="font-size:85%;line-height:120%;vertical-align:top"> (6)</sup></p></td>
<td valign="top"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 176,285</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3.3%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">John W. Helmsdoerfer, Chief Financial Officer<sup style="font-size:85%;line-height:120%;vertical-align:top"> (7)</sup></p></td>
<td valign="top"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 41,737</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">*</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Robert H. Milbourne, Director<font style="font-size:9pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"> (8)</sup></font></p></td>
<td valign="bottom"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 32,699</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">*</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O'Dell, President, Chief Executive Officer, Director <sup style="font-size:85%;line-height:120%;vertical-align:top">(9)</sup></p></td>
<td valign="bottom"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 224,661</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.2%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">John T. Pietrzak, Director <sup style="font-size:85%;line-height:120%;vertical-align:top">(10)</sup></p></td>
<td valign="bottom"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1,650</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">* </p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">David L. Royer, Director</p></td>
<td valign="bottom"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 11,350</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">*</p></td>
</tr>
<tr style="height:4.5pt;">
<td valign="bottom"  style="width:65.62%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.8%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:12.75pt;">
<td colspan="2" valign="top"  style="width:68.42%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All directors and executive officers as a group (9 persons) </p></td>
<td valign="bottom"  style="width:14.02%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">881,071</p></td>
<td valign="bottom"  style="width:2.24%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">16.3%</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:65.62%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.8%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:14.02%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:2.24%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:15.32%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:12.75pt;">
<td colspan="5" valign="bottom"  style="width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">* Indicates less than 1% ownership.</p></td>
</tr>
</table></div> <div></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(1)</sup></font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"> </sup>Unless otherwise indicated, each executive officer of director has voting and investment power with respect to all of the shares reflected in the table for such executive officer or director. The mailing address of each of the executive officers and directors of the Company is 7000 N. High Street, Worthington, Ohio 43085.</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(2)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;">Percent of ownership is computed based on the sum of (a) 5,328,697<font style="font-size:10pt;"> </font>shares of Common Stock outstanding on April 13, 2020, and (b) the number of shares of Common Stock, if any, as to which the named person or group has the right to acquire beneficial ownership upon the exercise of options which are currently exercisable or will first become exercisable within 60 days after April 13, 2020.</p></td></tr></table></div> <div></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(3)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;">Includes options to acquire 14,544 shares of Common Stock which are currently exercisable or will first become exercisable within 60 days after April 13, 2020.</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(4)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"></sup><font style="font-size:8pt;">Includes options to acquire 4,545 shares of Common Stock which are currently exercisable or will first become exercisable within 60 days after April 13, 2020.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(5)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top">I</sup><font style="font-size:8pt;">ncludes options to acquire 4,545 shares of Common Stock which are currently exercisable or will first become exercisable within 60 days after April 13, 2020.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(6)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"></sup><font style="font-size:8pt;">Includes options to acquire 4,545 shares of Common Stock which are currently exercisable or will first become exercisable within 60 days after April 13, 2020.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(7)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"></sup><font style="font-size:8pt;">Includes options to acquire 10,908 shares of Common Stock which are currently exercisable or will first become exercisable within 60 days after April 13, 2020.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(8)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"></sup><font style="font-size:8pt;">Includes options to acquire 4,545 shares of Common Stock which are currently exercisable or will first become exercisable within 60 days after April 13, 2020.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(9)</sup></font></p></td>
<td valign="top">
<p style="margin-top:4pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"></sup><font style="font-size:8pt;">Includes (a) options to acquire 18,180 shares of Common Stock which are currently exercisable or will first become exercisable within 60 days after April 13, 2020, (b) 5,454 shares of Common Stock owned by Colleen O&#8217;Dell, Mr. O&#8217;Dell&#8217;s spouse, and (c) 2,779 shares of Common Stock owned by Colleen O&#8217;Dell as custodian for Mr. O&#8217;Dell&#8217;s daughter, Sarah F. O&#8217;Dell.</font></p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="margin-bottom:0pt;margin-top:4pt;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(10)</sup></font></p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:4pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><sup style="font-size:85%;line-height:120%;vertical-align:top"></sup><font style="font-size:8pt;">Represents restricted stock awards representing 1,650 underlying shares of Common Stock issued to Castle Creek Advisors IV LLC on behalf of John Pietrzak in his capacity as a member of the Board, which awards vest over a three-year period.&#160; Mr. Pietrzak disclaims beneficial ownership of such restricted stock awards, except to the extent of his pecuniary interest therein, and this report shall not be deemed an admission that the reporting person is the beneficial owner of such restricted stock awards for purposes of the Securities Exchange Act of 1934, as amended, or for any other purpose.</font><font style="font-size:8pt;color:#000000;"> </font></p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">35</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU24"></a><font style="font-size:10pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;">Delinque</font><font style="font-size:10pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;">nt Section&#160;16(</font><font style="text-transform:none;">a</font><font style="font-size:10pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;">) Reports</font><font style="font-size:10pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;">.</font><font style="text-transform:none;">&nbsp;&nbsp;Section 16(a) of the Exchange Act requires the Company&#8217;s executive officers and directors and persons who own more than 10% of any registered class of the Company&#8217;s equity securities to file reports of ownership and changes in ow</font><font style="text-transform:none;">nership with the Securities and Exchange Commission.&nbsp;&nbsp;Executive officers, directors and beneficial owners of more than 10% of the outstanding </font><font style="text-transform:none;">Common Stock</font><font style="text-transform:none;"> of the Company are required by regulations of the </font><font style="text-transform:none;">SEC</font><font style="text-transform:none;"> to furnish the Company with copies of all Secti</font><font style="text-transform:none;">on 16(a) reports they file. </font><font style="text-transform:none;"> </font><font style="text-transform:none;">To the Company&#8217;s knowledge, based solely on a review of the Section 16(a) reports filed on behalf of these persons and written representations that no other Section 16(a) reports were required to be filed for transactions durin</font><font style="text-transform:none;">g </font><font style="text-transform:none;">201</font><font style="text-transform:none;">9</font><font style="text-transform:none;">, all filing requirements applicable to executive officers, directors and beneficial owners of more than 10% of the outstanding </font><font style="text-transform:none;">Common Stock</font><font style="text-transform:none;"> of the Company under Section 16(a) of the Exchange Act were complied </font><font style="text-transform:none;">with</font><font style="text-transform:none;">, except for a late filing of a Form </font><font style="text-transform:none;">3 on behalf of John T. Pietrzak</font><font style="text-transform:none;">.</font><font style="text-transform:none;"> </font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">AUDIT COMMITTEE MATTERS</p>
<p style="border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">BKD has served as the Company&#8217;s independent registered public accounting firm since 2014.&nbsp;&nbsp;The Board of Directors of the Company, upon the recommendation of the Audit Committee, approved the engagement of BKD to serve as the Company&#8217;s independent registered public accounting firm for the year ending December 31, 2019.&nbsp;&nbsp;The engagement of BKD as the Company&#8217;s independent registered public accounting firm for 2019 was also ratified by the Company&#8217;s stockholders at the 2019 annual meeting of stockholders. &nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">PRE-APPROVAL OF SERVICES</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Audit Committee must pre-approve all engagements of the independent registered public accounting firm by the Company and its subsidiaries, including CFBank, as required by the Audit Committee&#8217;s charter and the rules of the Securities and Exchange Commission.&nbsp;&nbsp;Prior to the beginning of each fiscal year, the Audit Committee approves an annual estimate of fees for engagements, taking into account whether the services are permissible under applicable law and the possible impact of each non-audit service on the independent registered public accounting firm&#8217;s independence from management.&nbsp;&nbsp;In addition, the Audit Committee evaluates any potential engagements of the independent registered public accounting firm, including the scope of the proposed work to be performed and the proposed fees, and approves or rejects each service.&nbsp;&nbsp;Management may present additional services for approval at subsequent Committee meetings during the fiscal year.&nbsp;&nbsp;The Audit Committee has delegated to the Audit Committee Chairman the authority to evaluate and approve engagements on behalf of the Audit Committee in the event a need arises for pre-approval between Committee meetings and in the event the engagement for services was within the annual estimate but not specifically approved.&nbsp;&nbsp;If the Chairman so approves any such engagements, he reports that approval to the full Committee at the next Committee meeting.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the 2018 and 2019 fiscal years, all services provided by BKD were pre-approved by the Audit Committee in accordance with this policy.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">36</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU25"></a><font style="font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FEES OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">BKD served as the Company&#8217;s independent registered public accounting firm for the 2019 and 2018 fiscal years.&#160;&#160;The Audit Committee pre-approved all services rendered by BKD for 2019 and 2018.&#160; The Company was billed the aggregate fees shown below for audit services, audit related services, tax services and other services rendered to the Company and its subsidiaries for the 2019 and 2018 fiscal years. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:48.6%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;"><a name="_920bb9d3_a736_47b5_9024_ab57bd15b587"></a>&nbsp;</p></td>
<td valign="bottom"  style="width:5.9%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2019</p></td>
<td valign="bottom"  style="width:1.86%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:5.88%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%; border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2018</p></td>
</tr>
<tr style="height:12.75pt;">
<td valign="bottom"  style="width:48.6%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;"><a name="_e88ff19f_53df_4452_8fe1_1ded9de15a98"></a>&nbsp;</p></td>
<td valign="bottom"  style="width:5.9%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.86%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:5.88%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr style="height:15.75pt;">
<td valign="bottom"  style="width:48.6%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_d6c39242_125e_4f0f_a414_73725b65287b"></a>Audit Fees <sup style="font-size:85%;line-height:120%;vertical-align:top">(1)</sup></p></td>
<td valign="bottom"  style="width:5.9%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:18.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 159,476</p></td>
<td valign="bottom"  style="width:1.86%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:5.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:18.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 126,500</p></td>
</tr>
<tr style="height:15.75pt;">
<td valign="bottom"  style="width:48.6%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_44d50a9e_9c3f_49c9_bd02_0b2bfaadeedd"></a>Audit-Related Fees <sup style="font-size:85%;line-height:120%;vertical-align:top">(2)</sup></p></td>
<td valign="bottom"  style="width:5.9%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 20,250</p></td>
<td valign="bottom"  style="width:1.86%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:5.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 61,857</p></td>
</tr>
<tr style="height:15.75pt;">
<td valign="bottom"  style="width:48.6%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_d0ddbed7_9058_4098_849b_aed77479e2d5"></a>Tax&nbsp;&nbsp;Fees <sup style="font-size:85%;line-height:120%;vertical-align:top">(3)</sup></p></td>
<td valign="bottom"  style="width:5.9%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 12,600</p></td>
<td valign="bottom"  style="width:1.86%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:5.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 12,000</p></td>
</tr>
<tr style="height:15.75pt;">
<td valign="bottom"  style="width:48.6%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_5a5a6eab_fad4_49a8_9167_bcd3998dcd52"></a>Total</p></td>
<td valign="bottom"  style="width:5.9%; border-top:solid 0.75pt #000000; border-bottom:double 2.5pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:18.88%; border-top:solid 0.75pt #000000; border-bottom:double 2.5pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 192,326</p></td>
<td valign="bottom"  style="width:1.86%; border-bottom:double 2.5pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:5.88%; border-top:solid 0.75pt #000000; border-bottom:double 2.5pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$</p></td>
<td valign="bottom"  style="width:18.88%; border-top:solid 0.75pt #000000; border-bottom:double 2.5pt #000000;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;margin-right:0.6%;text-indent:0pt;;color:#000000;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> 200,357</p></td>
</tr>
<tr style="height:13.5pt;">
<td valign="bottom"  style="width:48.6%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;"><a name="_b4e79b23_af6b_4c1e_a124_d90366264787"></a>&nbsp;</p></td>
<td valign="bottom"  style="width:5.9%; border-top:double 2.5pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%; border-top:double 2.5pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:1.86%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:5.88%; border-top:double 2.5pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="bottom"  style="width:18.88%; border-top:double 2.5pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&nbsp;</p></td>
</tr>
</table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(1)</sup></font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;"><a name="_5c99da79_1fa6_4cfd_85a5_c6cb432471fa"></a>Audit Fees include fees for services rendered in connection with BKD&#8217;s audit of the Company&#8217;s consolidated financial statements, review of annual and quarterly reports filed with the SEC, and agreed-upon procedures on the Company's electronic submission of audited financial information to the U.S. Department of Housing and Urban Development (HUD) and selected compliance testing on the Company's major HUD-assisted programs.</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(2)</sup></font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;"><a name="_9fcd548a_eff5_4a9c_819e_6131dd9e1008"></a>Audit-Related Fees include fees for services rendered in connection with BKD&#8217;s procedures related to the Company&#8217;s private placement in 2019 and initial comfort letter procedures in connection with capital raising activities in 2018.</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:2.68%;white-space:nowrap">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><sup style="font-size:85%;line-height:120%;vertical-align:top">(3)</sup></font></p></td>
<td valign="top">
<p style="text-align:justify;margin-top:6pt;margin-bottom:0pt;color:#000000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:8pt;"><a name="_c57171dd_5a2f_44fe_992e_2ff0aa7e3294"></a>Tax Fees include fees for services rendered by BKD related to the preparation of the Company&#8217;s tax returns and review of estimated tax payments, along with various other projects.</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">AUDIT COMMITTEE REPORT</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Audit Committee has reviewed and discussed with management and with BKD, the Company&#8217;s independent registered public accounting firm for 2019, the audited financial statements of the Company for the year ended December 31, 2019.&nbsp;&nbsp;In addition, the Audit Committee has discussed with BKD the matters required to be discussed by Auditing Standards No. 1301, <font style="font-style:italic;">Communications with Audit Committees</font>, and such other matters as are required to be discussed under the applicable standards of the Public Company Accounting Oversight Board (&#8220;PCAOB&#8221;).</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Audit Committee also has received the written disclosures and the letter from BKD required by applicable requirements of the PCAOB regarding the independent accountant&#8217;s communications with the Audit Committee concerning independence, and has discussed with BKD its independence.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Based on the foregoing review and discussions, the Audit Committee has recommended to the Company&#8217;s Board of Directors that the audited financial statements for the year ended December 31, 2019, be included in the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2019, for filing with the SEC.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:57.14%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">AUDIT COMMITTEE</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:57.14%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Thomas P. Ash, Chairman</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:57.14%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Edward W. Cochran</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:57.14%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">James Frauenberg II</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:57.14%;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Robert Milbourne</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">37</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:2pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">STOCKHOLDER PROPOSALS FOR 2021 ANNUAL MEETING</p>
<p style="border-bottom:Solid 1.5pt;padding-bottom:1pt;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If a stockholder desires to have a proposal included in the Company&#8217;s proxy statement and form of proxy for the 2021 annual meeting of stockholders, the proposal must conform to the requirements of Rule 14a-8 promulgated under the Exchange Act and other applicable proxy rules and interpretations of the SEC concerning the submission and content of proposals.&nbsp;&nbsp;Proposals for the 2021 annual meeting of stockholders must be received by the Company, at 7000 N. High Street, Worthington, Ohio 43085, prior to the close of business on December 23, 2020 in order to be eligible for inclusion in the Company&#8217;s proxy, notice of meeting and proxy statement relating to the 2021 annual meeting.</p> <div></div>
<p style="text-align:justify;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company&#8217;s Bylaws provide an advance notice procedure for a stockholder to properly bring business before an annual meeting of stockholders.&nbsp;&nbsp;For business to be properly brought before an annual meeting by a stockholder, the business must relate to a proper subject matter for stockholder action and the stockholder must have given timely notice thereof in writing to the Corporate Secretary of the Company.&nbsp;&nbsp;To be timely, a stockholder&#8217;s notice must be delivered or mailed to and received at the principal executive offices of the Company not less than 90 days prior to the date of the annual meeting; provided, however, that in the event that less than 100 days&#8217; notice or prior public disclosure of the date of the meeting is given or made to stockholders, notice by the stockholder to be timely must be received not later than the close of business on the 10th day following the day on which such notice of the date of the annual meeting was mailed or such public disclosure was made.&nbsp;&nbsp;A stockholder&#8217;s notice to the Corporate Secretary shall set forth as to each matter such stockholder proposes to bring before the annual meeting:&nbsp;&nbsp;(i) a brief description of the business desired to be brought before the annual meeting and the reasons for conducting such business at the annual meeting; (ii) the name and address, as they appear on the Company&#8217;s books, of the stockholder proposing such business; (iii) the class and number of shares of the Company&#8217;s capital stock that are beneficially owned by such stockholder; and (iv) any material interest of such stockholder in such business.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Assuming that the 2021 annual meeting of stockholders is held on the fourth Wednesday of May, 2021 and that such date is announced at least 100 days in advance, a stockholder&#8217;s proposal for that meeting must be received by the Company at 7000 N. High Street, Worthington, Ohio 43085, not later than the close of business on February 25, 2021, in order to be considered timely.&nbsp;&nbsp;If any such proposal is received after such date, it will be considered untimely, and the persons named in the proxies solicited by the Board of Directors of the Company may exercise discretionary voting power with respect to that proposal</p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#000000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">ANNUAL REPORT ON FORM 10-K</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A COPY OF THE COMPANY&#8217;S ANNUAL REPORT ON FORM 10-K FOR THE YEAR ENDED DECEMBER 31, 2019, AS FILED WITH THE SEC, WILL BE FURNISHED WITHOUT CHARGE TO STOCKHOLDERS OF RECORD UPON WRITTEN REQUEST TO THE CORPORATE SECRETARY, CENTRAL FEDERAL CORPORATION, 7000 N. HIGH STREET, WORTHINGTON, OHIO 43085. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">BY ORDER OF THE BOARD OF DIRECTORS</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><img src="gbzq35mlzuyy000004.jpg" title="" alt="" style="width:128px;height:44px;"></p> <div></div>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O&#8217;Dell</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">President and Chief Executive Officer</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Worthington, Ohio</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">YOU ARE CORDIALLY INVITED TO ATTEND THE ANNUAL MEETING IN PERSON.&nbsp;&nbsp;WHETHER OR NOT YOU PLAN TO ATTEND THE ANNUAL MEETING, YOU ARE REQUESTED TO SIGN, DATE AND PROMPTLY RETURN THE ACCOMPANYING PROXY CARD IN THE ENCLOSED POSTAGE-PAID ENVELOPE. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt; clear:both;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">38</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU26"></a><font style="text-decoration:underline;">Appendix</font><font style="text-decoration:underline;"> A</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CERTIFICATE OF AMENDMENT</p> <div></div>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">ESTABLISHING A CLASS OF NON-VOTING COMMON STOCK</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The shares of Non-Voting Common Stock of the Corporation into which the Series C Preferred Stock shall be mandatorily convertible upon the taking by the Corporation of all action necessary under the Delaware General Corporation Law to authorize a class of Non-Voting Common Stock shall have the following terms and provisions:</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CERTIFICATE OF AMENDMENT </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">TO THE <font style="text-transform:uppercase;">Certificate of Incorporation&nbsp;&nbsp;</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">OF </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;text-transform:uppercase;font-family:Times New Roman;font-style:normal;font-variant: normal;">Central federal corporation</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the provisions of the Certificate of Incorporation and the Bylaws of the Corporation and applicable law, the Certificate of Incorporation of the Corporation is hereby amended to create a series of non-voting common stock, par value $0.01 per share, of the Corporation containing the designation and number of shares of such series, and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications, limitations and restrictions thereof, of the shares of such series, as follows:</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Definitions</font>.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Affiliate</font>&#8221; has the meaning set forth in 12 C.F.R. Section&#160;225.2(a) or any successor provision.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b) <font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Board of Directors</font>&#8221; means the board of directors of the Corporation.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;">A &#8220;</font><font style="text-decoration:underline;">business day</font>&#8221; means any day other than a Saturday or a Sunday or a day on which banks in Ohio are authorized or required by law, executive order or regulation to close.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Certificate</font>&#8221; means a certificate representing one (1) or more shares of Non-Voting Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(e)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Certificate of Incorporation</font>&#8221; means the Certificate of Incorporation of the Corporation, as amended and in effect from time and time </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(f)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Common Stock</font>&#8221; means the voting common stock of the Corporation, par value $0.01 per share.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(g)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Corporation</font>&#8221; means Central Federal Corporation, a Delaware corporation.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(h)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Dividends</font>&#8221; has the meaning set forth in Section&#160;3.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Agent</font>&#8221; means Computershare Trust Company, N.A., solely in its capacity as transfer and exchange agent for the Corporation, or any successor transfer and exchange agent for the Corporation.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(j)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Cap</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(k)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Cap Allocation Amount</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(l)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Cap Maximum</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(m)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Existing Buyer</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(n)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Liquidation Distribution</font>&#8221; has the meaning set forth in Section&#160;4(b).</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A-1</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU27"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(o)</font><font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Non-Voting Common Stock</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; has the meaning set forth in Section</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;2.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(p)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Permissible Transfer</font>&#8221; means a transfer by the holder of Non-Voting Common Stock (i)&#160;to the Corporation; (ii)&#160;in a widely distributed public offering of Common Stock or Non-Voting Common Stock; (iii)&#160;that is part of an offering that is not a widely distributed public offering of Common Stock or Non-Voting Common Stock but is one in which no one transferee (or group of associated transferees) acquires the rights to receive two percent (2%) or more of any class of the Voting Securities of the Corporation then outstanding (including pursuant to a related series of transfers); (iv)&#160;that is part of a transfer of Common Stock or Non-Voting Common Stock to an underwriter for the purpose of conducting a widely distributed public offering; or (v)&#160;to a transferee that controls more than fifty percent (50%) of the Voting Securities of the Corporation without giving effect to such transfer.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(q)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Person</font>&#8221; means an individual, corporation, partnership, limited liability company, trust, business trust, association, joint stock company, joint venture, sole proprietorship, unincorporated organization, or any other form of entity not specifically listed herein.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(r)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Principal Market</font>&#8221; means the NASDAQ Capital Market.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(s)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">SPA</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(t)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Voting Security</font>&#8221; has the meaning set forth in 12 C.F.R. Section&#160;225.2(q) or any successor provision.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Designation; Number of Shares</font>.&nbsp;&nbsp;The class of shares of capital stock hereby authorized shall be designated as &#8220;<font style="text-decoration:underline;">Non-Voting Common Stock</font>&#8221;.&nbsp;&nbsp;The number of authorized shares of the Non-Voting Common Stock shall be 1,260,700 shares.&nbsp;&nbsp;The Non-Voting Common Stock shall have $0.01 par value per share.&nbsp;&nbsp;Each share of Non-Voting Common Stock has the designations, preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends, qualifications, or terms or conditions of redemption as described herein.&nbsp;&nbsp;Each share of Non-Voting Common Stock is identical in all respects to every other share of Non-Voting Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Dividends</font>.&nbsp;&nbsp;The Non-Voting Common Stock will rank <font style="font-style:italic;">pari&#160;passu </font>with the Common Stock with respect to the payment of dividends or distributions, whether payable in cash, securities, options or other property, and with respect to issuance, grant or sale of any rights to purchase stock, warrants, securities or other property (collectively, the &#8220;<font style="text-decoration:underline;">Dividends</font>&#8221;).&nbsp;&nbsp;Accordingly, the holders of record of Non-Voting Common Stock will be entitled to receive as, when, and if declared by the Board of Directors, Dividends in the same per share amount as paid on the Common Stock, and no Dividends will be payable on the Common Stock or any other class or series of capital stock ranking with respect to Dividends <font style="font-style:italic;">pari&#160;passu </font>with the Common Stock unless a Dividend identical to that paid on the Common Stock is payable at the same time on the Non-Voting Common Stock in an amount per share of Non-Voting Common Stock equal to the product of (i)&#160;the per share Dividend declared and paid in respect of each share of Common Stock and (ii)&#160;the number of shares of Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock); <font style="font-style:italic;">provided however</font>, that if a stock Dividend is declared on Common Stock payable solely in Common Stock, the holders of Non-Voting Common Stock will be entitled to a stock Dividend payable solely in shares of Non-Voting Common Stock.&nbsp;&nbsp;Dividends that are payable on Non-Voting Common Stock will be payable to the holders of record of Non-Voting Common Stock as they appear on the stock register of the Corporation on the applicable record date, as determined by the Board of Directors, which record date will be the same as the record date for the equivalent Dividend of the Common Stock.&nbsp;&nbsp;In the event that the Board of Directors does not declare or pay any Dividends with respect to shares of Common Stock, then the holders of Non-Voting Common Stock will have no right to receive any Dividends.</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><font style="text-decoration:underline;">Liquidation</font>.</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Rank</font>.&nbsp;&nbsp;The Non-Voting Common Stock will, with respect to rights upon liquidation, winding up and dissolution, rank (i)&#160;subordinate and junior in right of payment to all other securities of the Corporation that, by their respective terms, are senior to the Non-Voting Common Stock or the Common Stock, and (ii)&#160;<font style="font-style:italic;">pari&#160;passu </font>with the Common Stock.&nbsp;&nbsp;Not in limitation of anything contained herein, and for purposes of clarity, the Non-Voting Common Stock is subordinated to the general creditors and subordinated debt holders of the Company, and the depositors of the Company&#8217;s bank subsidiaries, in any receivership, insolvency, liquidation or similar proceeding.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU28"></a>(b)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Liquidation Distributions</font>.&nbsp;&nbsp;In the event of any liquidation, dissolution or winding up of the affairs of the Corporation, whether voluntary or involuntary, holders of Non-Voting Common Stock will be entitled to receive, for each share of Non-Voting Common Stock, out of the assets of the Corporation or proceeds thereof (whether capital or surplus) available for distribution to stockholders of the Corporation, subject to the rights of any Persons to whom the Non-Voting Common Stock is subordinate, a distribution (&#8220;<font style="text-decoration:underline;">Liquidation Distribution</font>&#8221;) equal to (i)&#160;any authorized and declared, but unpaid, Dividends with </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A-2</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">respect to such share of Non-Voting C</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ommon Stock at the time of such liquidation, dissolution or winding up, and (ii)&#160;the amount the holder of such share of Non-Voting Common Stock would receive in respect of such share if such share had been converted into shares of Common Stock at the then </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">applicable conversion rate at the time of such liquidation, dissolution or winding up (assuming the conversion of all shares of Non-Voting Common Stock at such time, without regard to any limitations on conversion of the Non-Voting Common Stock).&nbsp;&nbsp;All Liqu</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">idation Distributions to the holders of the Non-Voting Common Stock and Common Stock set forth in clause&#160;(ii) above will be made pro&#160;rata to the holders thereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Merger, Consolidation and Sale of Assets Not Liquidation</font>.&nbsp;&nbsp;For purposes of this Section&#160;4, the merger or consolidation of the Corporation with any other corporation or other entity, including a merger or consolidation in which the holders of Non-Voting Common Stock receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or property) of all or substantially all of the assets of the Corporation, will not constitute a liquidation, dissolution or winding up of the Corporation.</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><font style="text-decoration:underline;">Conversion</font>.</p></td></tr></table></div>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">&nbsp;</p></td>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><font style="text-decoration:underline;">General</font>.</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:13.33%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:36pt;">A holder of Non-Voting Common </font>Stock shall be permitted to convert, or upon the written request of the Corporation shall convert, shares of Non-Voting Common Stock into shares of Common Stock at any time or from time to time, provided that upon such conversion the holder, together with all Affiliates of the holder, will not own or control in the aggregate more than nine point nine percent (9.9%) of the Common Stock (or of any class of Voting Securities issued by the Corporation), excluding for the purpose of this calculation any reduction in ownership resulting from transfers by such holder of Voting Securities of the Corporation (which, for the avoidance of doubt, does not include Non-Voting Common Stock), provided further that the right to convert under this Section 5(a)(i) shall not be available to a transferee of shares of Non-Voting Common Stock with respect to a transfer other than a Permissible Transfer.&nbsp;&nbsp;In any such conversion, each share of Non-Voting Common Stock will convert initially into one (1)&#160;share of Common Stock, subject to adjustment as provided in Section&#160;6 below.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:13.33%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)<font style="margin-left:36pt;">Each share of Non-Voting Common Stock will automatically convert into one (1)&#160;share of Common Stock, without any further action on the part of any holder, subject to adjustment as provided in Section&#160;6 bel</font>ow, on the date a holder of Non-Voting Common Stock transfers any shares of Non-Voting Common Stock to a non-affiliate of the holder in a Permissible Transfer.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:13.33%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iii)<font style="margin-left:36pt;">To effect any permitted conversion under Section&#160;5(a)(i) or Section&#160;5(a)(ii), the holder s</font>hall surrender the certificate or certificates evidencing such shares of Non-Voting Common Stock, duly endorsed, at the registered office of the Corporation, and provide written instructions to the Corporation as to the number of whole shares for which such conversion shall be effected, together with any appropriate documentation that may be reasonably required by the Corporation.&nbsp;&nbsp;Upon the surrender of such certificate(s), the Corporation will issue and deliver to such holder (in the case of a conversion under Section&#160;5(a)(i)) or such holder&#8217;s transferee (in the case of a conversion under Section&#160;5(a)(ii)) a certificate or certificates for the number of shares of Common Stock into which the Non-Voting Common Stock has been converted and, in the event that such conversion is with respect to some, but not all, of the holder&#8217;s shares of Non-Voting Common Stock, the Corporation shall deliver to such holder a certificate or certificate(s) representing the number of shares of Non-Voting Common Stock that were not converted to Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:13.33%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iv)<font style="margin-left:36pt;">All shares of Common Stock delivered upon conversion of the Non-Voting Common Stock shall be duly authorized, validly issued, fully paid and non-assessable, free and clear of all liens, claims, security interests, charges an</font>d other encumbrances.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU29"></a>(b)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Principal Market Regulation</font>.&nbsp;&nbsp;Notwithstanding anything herein to the contrary, the Company shall not issue any shares of Common Stock upon the conversion of the Non-Voting Common Stock if the issuance of such shares of Common Stock taken together with each issuance of such shares of Common Stock (x) pursuant to the Securities Purchase Agreement, dated as of October 25, 2019, by and among the Company and the purchasers party thereto (the &#8220;<font style="text-decoration:underline;">SPA</font>&#8221;) and (y) upon the conversion of the Series C Preferred Stock in accordance with the Certificate of Incorporation or otherwise) would exceed 19.9% of the total outstanding shares of Common Stock of the Company, or more than 19.9% of the total voting power of the Company&#8217;s securities, in each case immediately preceding the issuance of the shares of Common Stock and Series C Preferred Stock pursuant to the SPA (the number of shares which may be issued without violating such limitation, the &#8220;<font style="text-decoration:underline;">Exchange Cap</font>&#8221;), except that such limitation shall not apply in the event that the Company (A) obtains the approval of its shareholders as required by the applicable rules of the Principal Market for issuances of shares of Common Stock in excess of such amount or (B) obtains </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A-3</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a written opinion from outside counsel </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">to the Company that such approval is not required, which opinion shall be reasonably satisfactory to the holder of the Series C Preferred Stock or Non-Voting Common Stock (as the case may be).&nbsp;&nbsp;Until such approval or such written opinion is obtained, (i) t</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">he holders of the Series C Preferred Stock and Non-Voting Common Stock (collectively, the &#8220;</font><font style="text-decoration:underline;">Exiting Buyers</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; and each, individually, an &#8220;</font><font style="text-decoration:underline;">Existing Buyer</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221;) shall not be issued in the aggregate, upon conversion of any Series C Preferred Stock or Non-Voting Comm</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">on Stock, or otherwise pursuant to the terms of the SPA or the Certificate of Incorporation, shares of Common Stock in an amount greater than the difference between the Exchange Cap minus the aggregate number of shares of Common Stock issued pursuant to th</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">e SPA (the &#8220;</font><font style="text-decoration:underline;">Exchange Cap Maximum</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221;) and (ii) no Existing Buyer shall be permitted to convert Series C Preferred Stock or Non-Voting Common Stock with respect to more than such Existing Buyer&#8217;s pro rata amount of such Exchange Cap Maximum (such amount, with </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">respect to each Existing Buyer, its &#8220;</font><font style="text-decoration:underline;">Exchange Cap Allocation Amount</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221;) determined based upon such Existing Buyer&#8217;s percentage ownership of the sum of (1) the aggregate number of shares of Common Stock issued to all Purchasers that purchased Preferred Stock </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">pursuant to this Agreement on the Closing Date plus (2) the aggregate number of shares of Common Stock issuable upon the conversion of all shares of Preferred Stock and/or Non-Voting Common Stock.&nbsp;&nbsp;In the event that such Existing Buyer shall sell or otherw</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ise transfer any of such Existing Buyer&#8217;s shares of Series C Preferred Stock or Non-Voting Common Stock, the transferee shall be allocated a pro rata portion of such Existing Buyer&#8217;s Exchange Cap Allocation Amount with respect to such portion of such Serie</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">s C Preferred Stock or Non-Voting Common Stock so transferred, and the restrictions of the prior sentence shall apply to such transferee with respect to the portion of the Exchange Cap Allocation Amount so allocated to such transferee. Upon conversion in f</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ull of such Existing Buyer&#8217;s Series C Preferred Stock or Non-Voting Common Stock, the difference (if any) between such Existing Buyer&#8217;s Exchange Cap Allocation Amount and the number of shares of Common Stock actually issued to such Existing Buyer upon such</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> Existing Buyer&#8217;s conversion in full of such Series C Preferred Stock or Non-Voting Common Stock shall be allocated to the respective Exchange Cap Allocation Amounts of the remaining Existing Buyers of Series C Preferred Stock or Non-Voting Common Stock on</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> a pro rata basis in proportion to the relative Exchange Cap Allocation Amounts of such Existing Buyers.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c) <font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Reservation of Shares Issuable Upon Conversion</font>.&nbsp;&nbsp;The Corporation will at all times reserve and keep available out of its authorized but unissued Common Stock solely for the purpose of effecting the conversion of the Non-Voting Common Stock such number of shares of Common Stock as will from time to time be sufficient to effect the conversion of all outstanding Non-Voting Common Stock; and if at any time the number of shares of authorized but unissued Common Stock will not be sufficient to effect the conversion of all then outstanding Non-Voting Common Stock, the Corporation will take such action as may, in the opinion of its counsel, be necessary to increase its authorized but unissued Common Stock to such number of shares as will be sufficient for such purpose.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">No Impairment</font>.&nbsp;&nbsp;The Corporation will not, by amendment of its Certificate of Incorporation or through any reorganization, transfer of assets, consolidation, merger, dissolution, issue or sale of securities or any other voluntary action, avoid or seek to avoid the observance or performance of any of the terms to be observed or performed hereunder by the Corporation, but will at all times in good faith assist in the carrying out of all the provisions of this Section&#160;5 and in the taking of all such actions as may be necessary or appropriate in order to protect the conversion rights of the holders of the Non-Voting Common Stock against impairment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(e)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Compliance with Law</font>.&nbsp;&nbsp;Prior to the delivery of any securities that the Corporation shall be obligated to deliver upon conversion of the Non-Voting Common Stock, the Corporation shall use its reasonable best efforts to comply with any federal and state laws and regulations thereunder requiring the registration of such securities with, or any approval of or consent to the delivery thereof by, any governmental authority.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(f)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Listing</font>.&nbsp;&nbsp;The Corporation hereby covenants and agrees that, if at any time the Common Stock shall be traded on any national securities exchange, the Corporation will, if permitted by the rules of such exchange, list and keep listed, so long as the Common Stock shall be so listed on such exchange, all the Common Stock issuable upon conversion of the Non-Voting Common Stock; provided, however, that if the rules of such exchange require the Corporation to defer the listing of such Common Stock until the first conversion of Non-Voting Common Stock into Common Stock in accordance with the provisions hereof, the Corporation covenants to list such Common Stock issuable upon conversion of the Non-Voting Common Stock in accordance with the requirements of such exchange at such time.</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:6.67%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6.</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;"><font style="text-decoration:underline;">Adjustments</font>.</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Combinations or Divisions of Common Stock</font>.  In the event that the Corporation at any time or from time to time will effect a division of the Common Stock into a greater number of shares (by stock split, reclassification or otherwise other than by payment of a Dividend in Common Stock or in any right to acquire the Common Stock), or in the event the outstanding Common Stock will be combined or consolidated, by reclassification, reverse stock split or otherwise, into a lesser number of shares of the Common Stock, then the dividend, liquidation, and conversion rights of each share of Non-Voting Common Stock in effect immediately prior to such event will, concurrently with the effectiveness of such event, be proportionately decreased or increased, as appropriate.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A-4</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU30"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Reclassification, Exchange or Substit</font><font style="text-decoration:underline;">ution</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.&nbsp;&nbsp;If the Common Stock is changed into the same or a different number of shares of any other class or classes of stock, whether by capital reorganization, reclassification or otherwise (other than a division or combination of shares provided for in Se</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ction&#160;6(a) above), (1)&#160;the conversion ratio then in effect will, concurrently with the effectiveness of such transaction, be adjusted so that each share of the Non-Voting Common Stock will be convertible into, in lieu of the number of shares of Common Stoc</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">k which the holders of the Non-Voting Common Stock would otherwise have been entitled to receive, a number of shares of such other class or classes of stock equal to the product of (i)&#160;the number of shares of such other class or classes of stock that a hol</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">der of a share of Common Stock would be entitled to receive in such transaction and (ii)&#160;the number of shares of Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-V</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">oting Common Stock) immediately before that transaction and (2)&#160;the Dividend and Liquidation Distribution rights then in effect will, concurrently with the effectiveness of such transaction, be adjusted so that each share of Non-Voting Common Stock will be</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> entitled to a Dividend and Liquidation Distribution right, in lieu of with respect to the number of shares of Common Stock which the holders of the Non-Voting Common Stock would otherwise have been entitled to receive, with respect to a number of shares o</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">f such other class or classes of stock equal to the product of (i)&#160;the number of shares of such other class or classes of stock that a holder of a share of Common Stock would be entitled to receive in such transaction and (ii)&#160;the number of shares of Commo</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">n Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock) immediately before that transaction.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:6.67%;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Certificates as to Adjustments</font>.&nbsp;&nbsp;Upon the occurrence of each adjustment or readjustment pursuant to this Section&#160;6, the Corporation at its expense will promptly compute such adjustment or readjustment in accordance with the terms hereof and prepare and furnish to each holder of Non-Voting Common Stock a certificate executed by the Corporation&#8217;s President (or other appropriate officer) setting forth such adjustment or readjustment and showing in detail the facts upon which such adjustment or readjustment is based.&nbsp;&nbsp;The Corporation will, upon the written request at any time of any holder of Non-Voting Common Stock, furnish or cause to be furnished to such holder a like certificate setting forth (i)&#160;such adjustments and readjustments, and (ii)&#160;the number of shares of Common Stock and the amount, if any, of other property which at the time would be received upon the conversion of the Non-Voting Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Reorganization, Mergers, Consolidations or Sales of Assets</font>.&nbsp;&nbsp;If at any time or from time to time there will be a capital reorganization of the Common Stock (other than a subdivision, combination, reclassification or exchange of shares otherwise provided for in Section&#160;6) or a merger or consolidation of the Corporation with or into another corporation, or the sale of all or substantially all the Corporation&#8217;s properties and assets to any other Person, then, as a part of such reorganization, merger, consolidation or sale, provision will be made so that the holders of the Non-Voting Common Stock will thereafter be entitled to receive upon conversion of the Non-Voting Common Stock, the number of shares of stock or other securities or property of the Corporation, or of the successor company resulting from such merger or consolidation or sale, to which a holder of that number of shares of Common Stock deliverable upon conversion of the Non-Voting Common Stock would have been entitled to receive on such capital reorganization, merger, consolidation or sale (without regard to any limitations on conversion of the Non-Voting Common Stock).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Redemption</font>.&nbsp;&nbsp;Except to the extent a liquidation under Section&#160;4 may be deemed to be a redemption, the Non-Voting Common Stock will not be redeemable at the option of the Corporation or any holder of Non-Voting Common Stock at any time.&nbsp;&nbsp;Notwithstanding the foregoing, the Corporation will not be prohibited from repurchasing or otherwise acquiring shares of Non-Voting Common Stock in voluntary transactions with the holders thereof, subject to compliance with any applicable legal or regulatory requirements, including applicable regulatory capital requirements.&nbsp;&nbsp;Any shares of Non-Voting Common Stock repurchased or otherwise acquired may be reissued as additional shares of Non-Voting Common Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Voting Rights</font>.&nbsp;&nbsp;The holders of Non-Voting Common Stock will not have any voting rights, except as may otherwise from time to time be required by law.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Protective Provisions</font>.&nbsp;&nbsp;So long as any shares of Non-Voting Common Stock are issued and outstanding, the Corporation will not (including by means of merger, consolidation or otherwise), without obtaining the approval (by vote or written consent) of the holders of a majority of the issued and outstanding shares of Non-Voting Common Stock, (i)&#160;alter or change the rights, preferences, privileges or restrictions provided for the benefit of the holders of the Non-Voting Common Stock so as to affect them adversely, (ii)&#160;increase or decrease the authorized number of shares of Non-Voting Common Stock or (iii)&#160;enter into any agreement, merger or business consolidation, or engage in any other transaction, or take any action that would have the effect of adversely changing any preference or any relative or other right provided for the benefit of the holders of the Non-Voting Common Stock.&nbsp;&nbsp;In the event that the Corporation offers to repurchase shares of Common Stock, the Corporation shall offer to repurchase shares of Non-Voting Common Stock pro&#160;rata based upon the number of shares of Common Stock such holders would be entitled to receive if such shares were converted into shares of Common Stock immediately prior to such repurchase.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A-5</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU31"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11.</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Notices</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.&nbsp;&nbsp;All notices required or permitted to be given by the Corporation with respect to the Non-Voting Common Stock shall be in writing, and if delivered by first class United States mail, postage prepaid, to the holders of the N</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">on-Voting Common Stock at their last addresses as they shall appear upon the books of the Corporation, shall be conclusively presumed to have been duly given, whether or not the holder actually receives such notice; provided, however, that failure to duly </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">give such notice by mail, or any defect in such notice, to the holders of any stock designated for repurchase, shall not affect the validity of the proceedings for the repurchase of any other shares of Non-Voting Common Stock, or of any other matter requir</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ed to be presented for the approval of the holders of the Non-Voting Common Stock.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Record Holders</font>.&nbsp;&nbsp;To the fullest extent permitted by law, the Corporation will be entitled to recognize the record holder of any share of Non-Voting Common Stock as the true and lawful owner thereof for all purposes and will not be bound to recognize any equitable or other claim to or interest in such share or shares on the part of any other Person, whether or not it will have express or other notice thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">13.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Term</font>.&nbsp;&nbsp;The Non-Voting Common Stock shall have perpetual term unless converted in accordance with Section&#160;5.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">14.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Replacement Certificates</font>.&nbsp;&nbsp;In the event that any Certificate will have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the Person claiming such Certificate to be lost, stolen or destroyed and, if required by the Corporation, the posting by such Person of a bond in such amount as the Corporation may determine is necessary as indemnity against any claim that may be made against it with respect to such Certificate, the Corporation or the Exchange Agent, as applicable, will deliver in exchange for such lost, stolen or destroyed Certificate a replacement Certificate.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">15.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Other Rights</font>.&nbsp;&nbsp;The shares of Non-Voting Common Stock have no preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends, qualifications, or rights, other than as set forth herein or as provided by applicable law.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF, the Corporation has caused this Certificate to be duly executed by an authorized officer this ___ day of ____________, 2020.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:98.88%;">
<tr>
<td valign="top"  style="width:48.54%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td colspan="3" valign="top"  style="width:51.46%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CENTRAL FEDERAL CORPORATION</p></td>
</tr>
<tr>
<td valign="top"  style="width:48.54%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:3.04%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:3.04%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:45.4%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="top"  style="width:48.54%; border-bottom:solid 0.75pt transparent;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td valign="top"  style="width:3.04%; border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:</p></td>
<td colspan="2" valign="top"  style="width:48.42%; border-bottom:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
</tr>
<tr>
<td valign="top"  style="width:48.54%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td colspan="2" valign="top"  style="width:6.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Name:</p></td>
<td valign="top"  style="width:45.4%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Timothy T. O&#8217;Dell</p></td>
</tr>
<tr>
<td valign="top"  style="width:48.54%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;">&nbsp;</p></td>
<td colspan="2" valign="top"  style="width:6.06%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Title:</p></td>
<td valign="top"  style="width:45.4%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Chief Executive Officer and President</p></td>
</tr>
</table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A-6</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU32"></a><font style="text-decoration:underline;">Appendix</font><font style="text-decoration:underline;"> </font><font style="text-decoration:underline;">B</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:4pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:CG Times;font-style:normal;text-transform:none;font-variant: normal;">CERTIFICATE OF DESIGNATIONS</p>
<p style="text-align:center;margin-bottom:4pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:CG Times;font-style:normal;text-transform:none;font-variant: normal;">OF</p>
<p style="text-align:center;margin-bottom:4pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:CG Times;font-style:normal;text-transform:none;font-variant: normal;">SERIES C CONVERTIBLE PERPETUAL PREFERRED STOCK</p>
<p style="text-align:center;margin-bottom:4pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">OF</p>
<p style="text-align:center;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman Bold;text-transform:uppercase;font-style:normal;font-variant: normal;">central federal corporation</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:6pt;margin-top:0pt;margin-left:5%;margin-right:4.44%;text-indent:0%;font-weight:bold;font-style:italic;font-size:10pt;font-family:Times New Roman Bold;text-transform:uppercase;font-variant: normal;">[<font style="text-transform:none;">As filed with the Delaware Secretary of State on October 29, 2019, as amended by the Certificate of Amendment to Certificate of Designations filed with the Delaware Secretary of State on March 26, 2020]</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the provisions of the certificate of incorporation and the bylaws of the Corporation and applicable law, a series of preferred stock, $0.01 par value per share, of the Corporation be and hereby is created, and that the designation and number of shares of such series, and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications, limitations and restrictions thereof, of the shares of such series, are as follows:</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Definitions</font>.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Affiliate</font>&#8221; has the meaning set forth in 12 C.F.R. Section&#160;225.2(a) or any successor provision.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Board of Directors</font>&#8221; means the board of directors of the Corporation.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;">A &#8220;</font><font style="text-decoration:underline;">business day</font>&#8221; means any day other than a Saturday or a Sunday or a day on which banks in Ohio are authorized or required by law, executive order or regulation to close.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Certificate</font>&#8221; means a certificate representing one (1) or more shares of Series C Preferred Stock.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(e)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Certificate of Incorporation</font>&#8221; means the Certificate of Incorporation of the Corporation, as amended and in effect from time and time.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(f)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Common Stock</font>&#8221; means the voting common stock of the Corporation, $0.01 par value per share.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(g)<font style="margin-left:36pt;"></font>&#8220;<font style="text-decoration:underline;">Corporation</font>&#8221; means Central Federal Corporation, a Delaware corporation.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(h)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Dividends</font>&#8221; has the meaning set forth in Section&#160;3.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Agent</font>&#8221; means Computershare Trust Company, N.A., solely in its capacity as transfer and exchange agent for the Corporation, or any successor transfer and exchange agent for the Corporation.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(j)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Cap</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(k)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Cap Allocation Amount</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(l)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Exchange Cap Maximum</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(m)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Existing Buyer</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(n)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Liquidation Distribution</font>&#8221; has the meaning set forth in Section&#160;4(b).</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(o)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Mandatory Conversion Date</font>&#8221; means, with respect to shares of Series C Preferred Stock of any and all holders thereof, the Non-Voting Common Stock Certificate of Amendment Effective Date.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(p)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Non-Voting Common Stock</font>&#8221; means, if authorized by all necessary action on the part of the Corporation, a class of common equity of the Corporation containing the terms set forth in a certificate of designations reflecting non-voting common stock substantially identical to this Certificate of Designations, <font style="font-style:italic;">mutatis mutandis</font>.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">B-1</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU33"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(q)</font><font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Non-Voting Common Stock Certificate of Amendment Effective Date</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the date that the Corporation shall have filed an amendment to the Certificate of Incorporation with the Delaware Secretary of State as required by the Delaware General Corporation Law to authorize a class of Non-Voting Common Stock containing the terms se</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">t forth in a certificate of designations reflecting non-voting common stock substantially identical to this Certificate of Designations, </font><font style="font-style:italic;">mutatis mutandis</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, in an amount of shares sufficient to permit the full conversion of the Series C Preferred Stock into </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">shares of Non-Voting Common Stock.</font></p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(r)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Permissible Transfer</font>&#8221; means a transfer by the holder of Series C Preferred Stock (i)&#160;to the Corporation; (ii)&#160;in a widely distributed public offering of Common Stock or Series C Preferred Stock; (iii)&#160;that is part of an offering that is not a widely distributed public offering of Common Stock or Series C Preferred Stock but is one in which no one transferee (or group of associated transferees) acquires the right to receive two&#160;percent&#160;(2%) or more of any class of the Voting Securities of the Corporation then outstanding (including pursuant to a related series of transfers); (iv)&#160;that is part of a transfer of Common Stock or Series C Preferred Stock to an underwriter for the purpose of conducting a widely distributed public offering; or (v)&#160;to a transferee that controls more than fifty percent (50%) of the Voting Securities of the Corporation without giving effect to such transfer.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(s)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Person</font>&#8221; means an individual, corporation, partnership, limited liability company, trust, business trust, association, joint stock company, joint venture, sole proprietorship, unincorporated organization, or any other form of entity not specifically listed herein.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(t)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Principal Market</font>&#8221; means the NASDAQ Capital Market.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(u)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Series C Preferred Stock</font>&#8221; has the meaning set forth in Section&#160;2.</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(v)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">SPA</font>&#8221; has the meaning set forth in Section 5(b).</p>
<p style="text-align:justify;margin-bottom:11pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(w)<font style="margin-left:36pt;">&#8220;</font><font style="text-decoration:underline;">Voting Security</font>&#8221; has the meaning set forth in 12 C.F.R. Section&#160;225.2(q) or any successor provision.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Designation; Number of Shares</font>.&nbsp;&nbsp;The series of shares of Preferred Stock hereby authorized shall be designated the &#8220;<font style="text-decoration:underline;">Series C Convertible Perpetual Preferred Stock</font>&#8221;.&nbsp;&nbsp;The number of authorized shares of the Series C Preferred Stock shall be 12,607 shares.&nbsp;&nbsp;The Series C Preferred Stock shall have a par value of $0.01 per share.&nbsp;&nbsp;Each share of Series C Preferred Stock has the designations, preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends, qualifications, or terms or conditions of redemption as described herein.&nbsp;&nbsp;Each share of Series C Preferred Stock is identical in all respects to every other share of Series C Preferred Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Dividends</font>.&nbsp;&nbsp;The Series C Preferred Stock will rank <font style="font-style:italic;">pari&#160;passu </font>with the Common Stock with respect to the payment of dividends or distributions, whether payable in cash, securities, options or other property, and with respect to issuance, grant or sale of any rights to purchase stock, warrants, securities or other property (collectively, the &#8220;<font style="text-decoration:underline;">Dividends</font>&#8221;) on a pro&#160;rata basis with the Common Stock determined on an as-converted basis assuming all shares had been converted pursuant to Section&#160;5 as of immediately prior to the record date of the applicable Dividend (or if no record date is fixed, the date as of which the record holders of Common Stock entitled to such Dividends are to be determined).&nbsp;&nbsp;Accordingly, the holders of record of Series C Preferred Stock will be entitled to receive as, when, and if declared by the Board of Directors, Dividends in the same per share amount as paid on the number of shares of Common Stock with respect to the number of shares of Common Stock into which the shares of Series C Preferred Stock would be converted, and no Dividends will be payable on the Common Stock or any other class or series of capital stock ranking with respect to Dividends <font style="font-style:italic;">pari&#160;passu </font>with the Common Stock unless a Dividend identical to that paid on the Common Stock is payable at the same time on the Series C Preferred Stock in an amount per share of Series C Preferred Stock equal to the product of (a)&#160;the per share Dividend declared and paid in respect of each share of Common Stock and (b)&#160;the number of shares of Common Stock into which such share of Series C Preferred Stock is then convertible (without regard to any limitations on conversion of the Series C Preferred Stock); <font style="font-style:italic;">provided, however</font>, that if a stock Dividend is declared on Common Stock payable solely in Common Stock, the holders of Series C Preferred Stock will be entitled to a stock Dividend payable solely in shares of Series C Preferred Stock.&nbsp;&nbsp;Dividends that are payable on Series C Preferred Stock will be payable to the holders of record of Series C Preferred Stock as they appear on the stock register of the Corporation on the applicable record date, as determined by the Board of Directors, which record date will be the same as the record date for the equivalent Dividend of the Common Stock.&nbsp;&nbsp;In the event that the Board of Directors does not declare or pay any Dividends with respect to shares of Common Stock, then the holders of Series C Preferred Stock will have no right to receive any Dividends.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Liquidation</font>.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Rank</font>.&nbsp;&nbsp;The Series C Preferred Stock will, with respect to rights upon liquidation, winding up and dissolution, rank (i)&#160;subordinate and junior in right of payment to all other securities of the Corporation which, by their respective terms, are senior to the Series C Preferred Stock or the Common Stock, and (ii)&#160;<font style="font-style:italic;">pari&#160;passu </font>with the Common Stock pro&#160;rata on an as-converted basis.&nbsp;&nbsp;Not in limitation of anything contained herein, and for purposes of clarity, the Series C Preferred Stock is subordinated to the general creditors and subordinated debt holders of the Company, and the depositors of the Company&#8217;s bank subsidiaries, in any receivership, insolvency, liquidation or similar proceeding.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">B-2</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU34"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Liquidation Distributions</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.&nbsp;&nbsp;In the event of any liquidation, dissolution or winding up of the affairs of the Corporation, whether voluntary or involuntary, holders of Series C Preferred Stock will be entitled to receive, for each</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> share of Series C Preferred Stock, out of the assets of the Corporation or proceeds thereof (whether capital or surplus) available for distribution to stockholders of the Corporation, subject to the rights of any Persons to whom the Series C Preferred Sto</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ck is subordinate, a distribution (&#8220;</font><font style="text-decoration:underline;">Liquidation Distribution</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221;) equal to (i)&#160;any authorized and declared, but unpaid, Dividends with respect to such share of Series C Preferred Stock at the time of such liquidation, dissolution or winding up, and (ii)&#160;the a</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">mount the holder of such share of Series C Preferred Stock would receive in respect of such share if such share had been converted into shares of Common Stock at the then applicable conversion rate at the time of such liquidation, dissolution or winding up</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (assuming the conversion of all shares of Series C Preferred Stock at such time, without regard to any limitations on conversion of the Series C Preferred Stock).&nbsp;&nbsp;All Liquidation Distributions to the holders of the Series C Preferred Stock and Common Sto</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ck set forth in clause&#160;(ii) above will be made pro&#160;rata to the holders thereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Merger, Consolidation and Sale of Assets Not Liquidation</font>.&nbsp;&nbsp;For purposes of this Section&#160;4, the merger or consolidation of the Corporation with any other corporation or other entity, including a merger or consolidation in which the holders of Series C Preferred Stock receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or property) of all or substantially all of the assets of the Corporation, will not constitute a liquidation, dissolution or winding up of the Corporation.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Conversion</font>.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">General</font>.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;margin-left:10%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:3.33%;">(i) <font style="margin-left:18pt;">Unless the shares of Series C Preferred Stock shall have previously been converted into shares of Non-Voting </font>Common Stock pursuant to Section&#160;5(a)(iii), a holder of Series C Preferred Stock shall be permitted to convert, or upon the written request of the Corporation shall convert, shares of Series C Preferred Stock into shares of Common Stock at any time or from time to time, provided that upon such conversion the holder, together with all Affiliates of the holder, will not own or control in the aggregate more than nine point nine percent (9.9%) of the Common Stock (or of any class of Voting Securities issued by the Corporation), excluding for the purpose of this calculation any reduction in ownership resulting from transfers by such holder of Voting Securities of the Corporation (which, for the avoidance of doubt, does not include Series C Preferred Stock), provided further that the right to convert under this Section 5(a)(i) shall not be available to a transferee of shares of Series C Preferred Stock with respect to a transfer other than a Permissible Transfer.&nbsp;&nbsp;In any such conversion, each share of Series C Preferred Stock will convert initially into 100&#160;shares of Common Stock, subject to adjustment as provided in Section&#160;6 below.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;margin-left:10%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:3.33%;">(ii) <font style="margin-left:18pt;">Unless the shares of Series C Preferred Stock shall have previously been converted into shares of Non-Voting Common Stock pursua</font>nt to Section&#160;5(a)(iii), each share of Series C Preferred Stock will automatically convert into 100&#160;shares of Common Stock, without any further action on the part of any holder, subject to adjustment as provided in Section&#160;6, below, on the date a holder of Series C Preferred Stock transfers any shares of Series C Preferred Stock to a non-Affiliate of the holder in a Permissible Transfer.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;margin-left:10%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:3.33%;">(iii) <font style="margin-left:18pt;">Effective as of the close of business on the Mandatory Conversion Date, each share of Series C Preferred Stock wil</font>l automatically convert into 100 shares of Non-Voting Common Stock, without any further action on the part of any holder.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;margin-left:10%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:3.33%;">(iv) <font style="margin-left:18pt;">To effect any permitted conversion under Section&#160;5(a)(i) or Section&#160;5(a)(ii), the holder shall surrender the certificate or cert</font>ificates evidencing such shares of Series C Preferred Stock, duly endorsed, at the registered office of the Corporation, and provide written instructions to the Corporation as to the number of whole shares for which such conversion shall be effected, together with any appropriate documentation that may be reasonably required by the Corporation.&nbsp;&nbsp;Upon the surrender of such certificate(s), the Corporation will issue and deliver to such holder (in the case of a conversion under Section&#160;5(a)(i)) or such holder&#8217;s transferee (in the case of a conversion under Section&#160;5(a)(ii)) a certificate or certificates for the number of shares of Common Stock into which the Series C Preferred Stock has been converted and, in the event that such conversion is with respect to some, but not all, of the holder&#8217;s shares of Series C Preferred Stock, the Corporation shall deliver to such holder a certificate or certificate(s) representing the number of shares of Series C Preferred Stock that were not converted to Common Stock or Non-Voting Common Stock.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;margin-left:10%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:3.33%;">(v) <font style="margin-left:18pt;">Upon occurrence of the Mandatory Conversion Date, the Corporation shall promptly provide notice of such event and the resulting conversion of the Series C Preferred Stock to each registered holder of the Series C Preferred Stock.&nbsp;&nbsp;</font>Such notice shall provide instructions for the surrender to the Corporation of certificates for shares of Series C Preferred Stock held of record by such holders for issuance of certificates representing shares of Non-Voting Common Stock into which the Series C Preferred Stock have been converted pursuant to Section&#160;5(a)(iii).</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">B-3</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;margin-left:10%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:3.33%;"><a name="_AEIOULastRenderedPageBreakAEIOU35"></a><font style="text-indent:14.07%;"></font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(vi) </font><font style="margin-left:18pt;">All shares of Common Stock or Non-Voting Common Stock delivered upon conversion of the Series C Preferred Stock shall be duly authorized, validly issued, fully paid and non-asse</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ssable, free and clear of all liens, claims, security interests, charges and other encumbrances.</font></p>
<p style="margin-bottom:8pt;text-align:justify;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-weight:bold;font-family:CG Times;font-style:normal;text-transform:none;font-variant: normal;">(b)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Principal Market Regulation</font>.&nbsp;&nbsp;Notwithstanding anything herein to the contrary, the Company shall not issue any shares of Common Stock upon the conversion of the Series C Preferred Stock if the issuance of such shares of Common Stock (taken together with each issuance of such shares of Common Stock (x) pursuant to the Securities Purchase Agreement, dated as of October 25, 2019, by and among the Company and the purchasers party thereto (the &#8220;<font style="text-decoration:underline;">SPA</font>&#8221;) and (y) following the Non-Voting Common Stock Certificate of Amendment Effective Date, upon conversion of the Non-Voting Common Stock) would exceed 19.9% of the total outstanding shares of Common Stock of the Company, or more than 19.9% of the total voting power of the Company&#8217;s securities, in each case immediately preceding the issuance of the shares of Common Stock and Series C Preferred Stock pursuant to the SPA (the number of shares which may be issued without violating such limitation, the &#8220;<font style="text-decoration:underline;">Exchange Cap</font>&#8221;), except that such limitation shall not apply in the event that the Company (A) obtains the approval of its shareholders as required by the applicable rules of the Principal Market for issuances of shares of Common Stock in excess of such amount or (B) obtains a written opinion from outside counsel to the Company that such approval is not required, which opinion shall be reasonably satisfactory to the holder of the Series C Preferred Stock or Non-Voting Common Stock (as the case may be).&nbsp;&nbsp;Until such approval or such written opinion is obtained, (i) the holders of the Series C Preferred Stock and Non-Voting Common Stock (collectively, the &#8220;<font style="text-decoration:underline;">Exiting Buyers</font>&#8221; and each, individually, an &#8220;<font style="text-decoration:underline;">Existing Buyer</font>&#8221;) shall not be issued in the aggregate, upon conversion of any Series C Preferred Stock or Non-Voting Common Stock, or otherwise pursuant to the terms of the SPA or the Certificate of Incorporation, shares of Common Stock in an amount greater than the difference between the Exchange Cap minus the aggregate number of shares of Common Stock issued pursuant to the SPA (the &#8220;<font style="text-decoration:underline;">Exchange Cap Maximum</font>&#8221;) and (ii) no Existing Buyer shall be permitted to convert Series C Preferred Stock or Non-Voting Common Stock with respect to more than such Existing Buyer&#8217;s pro rata amount of such Exchange Cap Maximum (such amount, with respect to each Existing Buyer, its &#8220;<font style="text-decoration:underline;">Exchange Cap Allocation Amount</font>&#8221;) determined based upon such Existing Buyer&#8217;s percentage ownership of the sum of (1) the aggregate number of shares of Common Stock issued to all Purchasers that purchased Preferred Stock pursuant to this Agreement on the Closing Date plus (2) the aggregate number of shares of Common Stock issuable upon the conversion of all shares of Preferred Stock and/or Non-Voting Common Stock.&nbsp;&nbsp;In the event that such Existing Buyer shall sell or otherwise transfer any of such Existing Buyer&#8217;s shares of Series C Preferred Stock or Non-Voting Common Stock, the transferee shall be allocated a pro rata portion of such Existing Buyer&#8217;s Exchange Cap Allocation Amount with respect to such portion of such Series C Preferred Stock or Non-Voting Common Stock so transferred, and the restrictions of the prior sentence shall apply to such transferee with respect to the portion of the Exchange Cap Allocation Amount so allocated to such transferee. Upon conversion in full of such Existing Buyer&#8217;s Series C Preferred Stock or Non-Voting Common Stock, the difference (if any) between such Existing Buyer&#8217;s Exchange Cap Allocation Amount and the number of shares of Common Stock actually issued to such Existing Buyer upon such Existing Buyer&#8217;s conversion in full of such Series C Preferred Stock or Non-Voting Common Stock shall be allocated to the respective Exchange Cap Allocation Amounts of the remaining Existing Buyers of Series C Preferred Stock or Non-Voting Common Stock on a pro rata basis in proportion to the relative Exchange Cap Allocation Amounts of such Existing Buyers.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c) <font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Reservation of Shares Issuable Upon Conversion</font>.&nbsp;&nbsp;The Corporation will at all times reserve and keep available out of its authorized but unissued Common Stock and, when authorized, Non&#8209;Voting Common Stock solely for the purpose of effecting the conversion of the Series C Preferred Stock such number of shares of Common Stock or Non-Voting Common Stock as will from time to time be sufficient to effect the conversion of all outstanding Series C Preferred Stock; and if at any time the number of shares of authorized but unissued Common Stock or Non-Voting Common Stock (when authorized) will not be sufficient to effect the conversion of all then outstanding Series C Preferred Stock, the Corporation will take such action as may, in the opinion of its counsel, be necessary to increase its authorized but unissued Common Stock or Non-Voting Common Stock to such number of shares as will be sufficient for such purpose.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">No Impairment</font>.&nbsp;&nbsp;The Corporation will not, by amendment of its Certificate of Incorporation or through any reorganization, transfer of assets, consolidation, merger, dissolution, issue or sale of securities or any other voluntary action, avoid or seek to avoid the observance or performance of any of the terms to be observed or performed hereunder by the Corporation, but will at all times in good faith assist in the carrying out of all the provisions of this Section&#160;5 and in the taking of all such actions as may be necessary or appropriate in order to protect the conversion rights of the holders of the Series C Preferred Stock against impairment.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(e)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Compliance with Law</font>.&nbsp;&nbsp;Prior to the delivery of any securities that the Corporation shall be obligated to deliver upon conversion of the Series C Preferred Stock, the Corporation shall use its reasonable best efforts to comply with any federal and state laws and regulations thereunder requiring the registration of such securities with, or any approval of or consent to the delivery thereof by, any governmental authority.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">B-4</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU36"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(f)</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Listing</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">. The Corporation hereby covenants and agrees that, if at any time the Common Stock shall be </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">traded on any national securities exchange, the Corporation will, if permitted by the rules of such exchange, list and keep listed, so long as the Common Stock shall be so listed on such exchange, all the Common Stock issuable upon conversion of the Series</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> C Preferred Stock; provided, however, that if the rules of such exchange require the Corporation to defer the listing of such Common Stock until the first conversion of Series C Preferred Stock into Common Stock in accordance with the provisions hereof, t</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">he Corporation covenants to list such Common Stock issuable upon conversion of the Series C Preferred Stock in accordance with the requirements of such exchange at such time.</font></p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Adjustments</font>.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Combinations or Divisions of Common Stock</font>.&nbsp;&nbsp;In the event that the Corporation at any time or from time to time will effect a division of the Common Stock into a greater number of shares (by stock split, reclassification or otherwise other than by payment of a Dividend in Common Stock or in any right to acquire the Common Stock), or in the event the outstanding Common Stock will be combined or consolidated, by reclassification, reverse stock split or otherwise, into a lesser number of shares of the Common Stock, then the dividend, liquidation, and conversion rights of each share of Series C Preferred Stock in effect immediately prior to such event will, concurrently with the effectiveness of such event, be proportionately decreased or increased, as appropriate.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Reclassification, Exchange or Substitution</font>.&nbsp;&nbsp;If the Common Stock is changed into the same or a different number of shares of any other class or classes of stock, whether by capital reorganization, reclassification or otherwise (other than a division or combination of shares provided for in Section&#160;6(a) above), (1)&#160;the conversion ratio then in effect will, concurrently with the effectiveness of such transaction, be adjusted so that each share of the Series C Preferred Stock will be convertible into, in lieu of the number of shares of Common Stock which the holders of the Series C Preferred Stock would otherwise have been entitled to receive, a number of shares of such other class or classes of stock equal to the product of (i)&#160;the number of shares of such other class or classes of stock that a holder of a share of Common Stock would be entitled to receive in such transaction and (ii)&#160;the number of shares of Common Stock into which such share of Series C Preferred Stock is then convertible (without regard to any limitations on conversion of the Series C Preferred Stock) immediately before that transaction and (2)&#160;the Dividend and Liquidation Distribution rights then in effect will, concurrently with the effectiveness of such transaction, be adjusted so that each share of Series C Preferred Stock will be entitled to a Dividend and Liquidation Distribution right, in lieu of with respect to the number of shares of Common Stock which the holders of the Series C Preferred Stock would otherwise have been entitled to receive, with respect to a number of shares of such other class or classes of stock equal to the product of (i)&#160;the number of shares of such other class or classes of stock that a holder of a share of Common Stock would be entitled to receive in such transaction and (ii)&#160;the number of shares of Common Stock into which such share of Series C Preferred Stock is then convertible (without regard to any limitations on conversion of the Series C Preferred Stock) immediately before that transaction.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Certificates as to Adjustments</font>.&nbsp;&nbsp;Upon the occurrence of each adjustment or readjustment pursuant to this Section&#160;6, the Corporation at its expense will promptly compute such adjustment or readjustment in accordance with the terms hereof and prepare and furnish to each holder of Series C Preferred Stock a certificate executed by the Corporation&#8217;s President (or other appropriate officer) setting forth such adjustment or readjustment and showing in detail the facts upon which such adjustment or readjustment is based.&nbsp;&nbsp;The Corporation will, upon the written request at any time of any holder of Series C Preferred Stock, furnish or cause to be furnished to such holder a like certificate setting forth (i)&#160;such adjustments and readjustments, and (ii)&#160;the number of shares of Common Stock and the amount, if any, of other property which at the time would be received upon the conversion of the Series C Preferred Stock.</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Reorganization, Mergers, Consolidations or Sales of Assets</font>.&nbsp;&nbsp;If at any time or from time to time there will be a capital reorganization of the Common Stock (other than a subdivision, combination, reclassification or exchange of shares otherwise provided for in Section&#160;6) or a merger or consolidation of the Corporation with or into another corporation, or the sale of all or substantially all the Corporation&#8217;s properties and assets to any other Person, then, as a part of such reorganization, merger, consolidation or sale, provision will be made so that the holders of the Series C Preferred Stock will thereafter be entitled to receive upon conversion of the Series C Preferred Stock, the number of shares of stock or other securities or property of the Corporation, or of the successor company resulting from such merger or consolidation or sale, to which a holder of that number of shares of Common Stock deliverable upon conversion of the Series C Preferred Stock would have been entitled to receive on such capital reorganization, merger, consolidation or sale (without regard to any limitations on conversion of the Series C Preferred Stock).</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Redemption</font>.&nbsp;&nbsp;Except to the extent a liquidation under Section&#160;4 may be deemed to be a redemption, the Series C Preferred Stock will not be redeemable at the option of the Corporation or any holder of Series C Preferred Stock at any time.&nbsp;&nbsp;Notwithstanding the foregoing, the Corporation will not be prohibited from repurchasing or otherwise acquiring shares of Series C Preferred Stock in voluntary transactions with the holders thereof, subject to compliance with any applicable legal or regulatory requirements, including applicable regulatory capital requirements.&nbsp;&nbsp;Any shares of Series C Preferred Stock repurchased or otherwise acquired may be cancelled by the Corporation and thereafter be reissued as shares of any series of preferred stock of the Corporation.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">B-5</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:8pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU37"></a><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9.</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Voting Rights</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.&nbsp;&nbsp;The holders of </font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Series C Preferred Stock will not have any voting rights, except as may otherwise from time to time be required by law.&nbsp;&nbsp;If the holders of Series C Preferred Stock shall be entitled by law to vote as a single class with the holders of outstanding shares of</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> Common Stock, with respect to any and all matters presented to the shareholders of the Corporation for their action or consideration (by vote or written consent), each share of Series C Preferred Stock shall be entitled to a number of votes equal to the n</font><font style="font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">umber of shares of Common Stock into which such share is convertible pursuant to Section&#160;5.</font></p>
<p style="text-align:justify;margin-bottom:10pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Protective Provisions</font>.&nbsp;&nbsp;So long as any shares of Series C Preferred Stock are issued and outstanding, the Corporation will not (including by means of merger, consolidation or otherwise), without obtaining the approval (by vote or written consent) of the holders of a majority of the issued and outstanding shares of Series C Preferred Stock, (a)&#160;alter or change the rights, preferences, privileges or restrictions provided for the benefit of the holders of the Series C Preferred Stock so as to affect them adversely, (b)&#160;increase or decrease the authorized number of shares of Series C Preferred Stock or (c)&#160;enter into any agreement, merger or business consolidation, or engage in any other transaction, or take any action that would have the effect of adversely changing any preference or any relative or other right provided for the benefit of the holders of the Series C Preferred Stock.&nbsp;&nbsp;In the event that the Corporation offers to repurchase shares of Common Stock, the Corporation shall offer to repurchase shares of Series C Preferred Stock pro&#160;rata based upon the number of shares of Common Stock such holders would be entitled to receive if such shares were converted into shares of Common Stock immediately prior to such repurchase.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Notices</font>.&nbsp;&nbsp;All notices required or permitted to be given by the Corporation with respect to the Series C Preferred Stock shall be in writing, and if delivered by first class United States mail, postage prepaid, to the holders of the Series C Preferred Stock at their last addresses as they shall appear upon the books of the Corporation, shall be conclusively presumed to have been duly given, whether or not the holder actually receives such notice; provided, however, that failure to duly give such notice by mail, or any defect in such notice, to the holders of any stock designated for repurchase, shall not affect the validity of the proceedings for the repurchase of any other shares of Series C Preferred Stock, or of any other matter required to be presented for the approval of the holders of the Series C Preferred Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Record Holders</font>.&nbsp;&nbsp;To the fullest extent permitted by law, the Corporation will be entitled to recognize the record holder of any share of Series C Preferred Stock as the true and lawful owner thereof for all purposes and will not be bound to recognize any equitable or other claim to or interest in such share or shares on the part of any other Person, whether or not it will have express or other notice thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">13.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Term</font>.&nbsp;&nbsp;The Series C Preferred Stock shall have perpetual term unless converted in accordance with Section&#160;5.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">14.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">No Preemptive Rights</font>.&nbsp;&nbsp;The holders of Series C Preferred Stock are not entitled to any preemptive or preferential right to purchase or subscribe for any capital stock, obligations, warrants or other securities or rights of the Corporation, except for any such rights that may be granted by way of separate contract or agreement to one or more holders of Series C Preferred Stock.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">15.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Replacement Certificates</font>.&nbsp;&nbsp;In the event that any Certificate will have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the Person claiming such Certificate to be lost, stolen or destroyed and, if required by the Corporation, the posting by such Person of a bond in such amount as the Corporation may determine is necessary as indemnity against any claim that may be made against it with respect to such Certificate, the Corporation or the Exchange Agent, as applicable, will deliver in exchange for such lost, stolen or destroyed Certificate a replacement Certificate.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">16.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Other Rights</font>.&nbsp;&nbsp;The shares of Series C Preferred Stock have no preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends, qualifications, or rights, other than as set forth herein or as provided by applicable law.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:6.67%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">17.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">General Provisions</font>.&nbsp;&nbsp;In addition to the above provisions with respect to the Series C Preferred Stock, such Series C Preferred Stock shall be subject to, and entitled to the benefits of, the provisions set forth in the Corporation&#8217;s Certificate of Incorporation with respect to preferred stock generally.</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">B-6</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU38"></a><img src="gbzq35mlzuyy000005.jpg" title="" alt="" style="width:719px;height:875px;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#FFFFFF;font-size:1pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CENTRAL FEDERAL CORPORATION&nbsp;&nbsp;7000 N. HIGH STREET&nbsp;&nbsp;WORTHINGTON, OH 43085&nbsp;&nbsp; Investor Address Line 1&nbsp;&nbsp;Investor Address Line 2&nbsp;&nbsp;Investor Address Line 3&nbsp;&nbsp;Investor Address Line 4&nbsp;&nbsp;Investor Address Line 5&nbsp;&nbsp;John Sample&nbsp;&nbsp;1234 ANYWHERE STREET&nbsp;&nbsp;ANY CITY, ON A1A 1A1&nbsp;&nbsp;&nbsp;&nbsp;VOTE BY INTERNET - www.proxyvote.comUsetheInternettotransmityourvotinginstructionsandforelectronicdeliveryofinformationupuntil11:59P.M.EasternTimethedaybeforethemeetingdate. Haveyourproxycardinhandwhenyouaccessthewebsiteandfollowtheinstructionstoobtainyourrecordsandtocreateanelectronicvotinginstructionform. ELECTRONIC DELIVERY OF FUTURE PROXY MATERIALSIfyouwouldliketoreducethecostsincurredbyourcompanyinmailingproxymaterials, youcanconsenttoreceivingallfutureproxystatements,proxycardsandannualreportselectronicallyviae-mailortheInternet.Tosignupforelectronicdelivery,pleasefollowtheinstructionsabovetovoteusingtheInternetand,whenprompted,indicatethatyouagree to receive or access proxy materials electronically in future years. VOTE BY PHONE - 1-800-690-6903Useanytouch-tonetelephonetotransmityourvotinginstructionsupuntil11:59P.M.EasternTimethedaybeforethemeetingdate.Haveyourproxycardinhandwhen you call and then follow the instructions. VOTE BY MAILMark, sign and date your proxy card and return it in the postage-paid envelope we haveprovided or return it to Vote Processing, c/o Broadridge, 51 Mercedes Way, Edgewood, NY 11717. 0000452863_1 R1.0.1.18&nbsp;&nbsp; The Board of Directors recommends you vote FOR&nbsp;&nbsp;the following:&nbsp;&nbsp; 1.&nbsp;&nbsp;Election of Directors&nbsp;&nbsp;Nominees&nbsp;&nbsp; 01) Robert E. Hoeweler 02) John T. Pietrzak&nbsp;&nbsp; The Board of Directors recommends you vote FOR&nbsp;&nbsp;proposals 2 through 6.&nbsp;&nbsp; 2&nbsp;&nbsp;To approve, on a non-binding advisory basis,&nbsp;&nbsp;the compensation of the Company's named&nbsp;&nbsp;executive officers.&nbsp;&nbsp; 3&nbsp;&nbsp;To ratify the appointment of BKD LLP as the&nbsp;&nbsp;independent registered public accounting firm&nbsp;&nbsp;of the Company for the fiscal year ending&nbsp;&nbsp;December 31, 2019.&nbsp;&nbsp; 4&nbsp;&nbsp;To approve an amendment to the Company's&nbsp;&nbsp;Certificate of Incorporation, as amended, to&nbsp;&nbsp;authorize a new class of Non-Voting Common&nbsp;&nbsp;Stock, par value $0.01 per share (Non-Voting&nbsp;&nbsp;Common Stock).&nbsp;&nbsp; Please indicate if you plan to attend this meeting&nbsp;&nbsp; For Withhold For All&nbsp;&nbsp;All All Except&nbsp;&nbsp;&nbsp;&nbsp;0 0 0&nbsp;&nbsp; To withhold authority to vote for anyindividual nominee(s), mark &#8220;For AllExcept&#8221; and write the number(s) of thenominee(s) on the line below. For Against Abstain For Against Abstain&nbsp;&nbsp;0&nbsp;&nbsp;0&nbsp;&nbsp;0&nbsp;&nbsp;0&nbsp;&nbsp;005 To approve, for purposes of NASDAQ Marketplace&nbsp;&nbsp;Rule 5635(d), the issuance of shares of the&nbsp;&nbsp;Company's Common Stock upon the conversion of&nbsp;&nbsp;the Company's Non-Voting Common Stock, if&nbsp;&nbsp;approved at the Annual Meeting, or the&nbsp;&nbsp;Company's Non-Voting Convertible Perpetual&nbsp;&nbsp;Preferred Stock, Series C, par value $0.01 per&nbsp;&nbsp;share.&nbsp;&nbsp;0 0 0&nbsp;&nbsp;0 0 06 To consider and vote upon a proposal to adjourn&nbsp;&nbsp;the Annual Meeting, if necessary, to solicit&nbsp;&nbsp;additional proxies, in the event there are not&nbsp;&nbsp;sufficient votes at the time of the Annual&nbsp;&nbsp;Meeting to approve Proposal 4 or Proposal 5.&nbsp;&nbsp;0 0 0NOTE: Such other business as may properly come&nbsp;&nbsp;before the meeting or any adjournment thereof.&nbsp;&nbsp;Yes No&nbsp;&nbsp;0 0&nbsp;&nbsp; Please sign exactly as your name(s) appear(s) hereon. When signing as attorney, executor, administrator, or other fiduciary,&nbsp;&nbsp;please give full title as such. Joint owners should each sign personally. All holders must sign. If a corporation or&nbsp;&nbsp;partnership, please sign in full corporate or partnership name by authorized officer.</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU39"></a><img src="gbzq35mlzuyy000006.jpg" title="" alt="" style="width:689px;height:892px;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#FFFFFF;font-size:1pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">0000452863_2 R1.0.1.18&nbsp;&nbsp; Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting:The Annual Report, Notice &amp; Proxy Statement is/ are available atwww.proxyvote.com CENTRAL FEDERAL CORPORATIONAnnual Meeting of StockholdersMay 27, 2020 at 10:00 AMThis proxy is solicited by the Board of Directors TheundersignedstockholderherebyappointsThomasP.AshandTimothyT.O'Dell,oreitherofthem,asproxies,eachwiththepowertoappointhissubstitute,andherebyauthorizesthemtorepresentandtovote,asdesignatedonthereversesideofthisballot,allofthesharesofCommonStockofCENTRALFEDERALCORPORATIONthatthestockholderisentitledtovoteattheAnnualMeetingofStockholderstobeheldat10:00AM,localtime,onMay27,2020,attheNewAlbanyCountryClub,1ClubLane,NewAlbany,Ohio43054,andany adjournment(s) thereof. Thisproxy,whenproperlyexecuted,willbevotedinthemannerdirectedherein.Ifnosuchdirectionismade, this proxy will be voted in accordance with the Board of Directors' recommendations. Continued and to be signed on reverse side</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p></body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>gbzq35mlzuyy000006.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 gbzq35mlzuyy000006.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" -] K(# 2(  A$! Q$!_\0
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MW/ _VZU/$7_(L:M_UYS?^@&DM_\ CU@_ZY+_ "% %#_A'M,_YY3_ /@9-_\
M%T?\(]IG_/*?_P #)O\ XNM.B@#,_P"$>TS_ )Y3_P#@9-_\71_PCVF?\\I_
M_ R;_P"+K3HH S/^$>TS_GE/_P"!DW_Q='_"/:9_SRG_ / R;_XNM.B@#,_X
M1[3/^>4__@9-_P#%T?\ "/:9_P \I_\ P,F_^+K3HH S/^$>TS_GE/\ ^!DW
M_P 71_PCVF?\\I__  ,F_P#BZTZ* ,S_ (1[3/\ GE/_ .!DW_Q='_"/:9_S
MRG_\#)O_ (NM.B@#,_X1[3/^>4__ (&3?_%T?\(]IG_/*?\ \#)O_BZTZ* ,
MS_A'M,_YY3_^!DW_ ,71_P (]IG_ #RG_P# R;_XNM.B@#,_X1[3/^>4_P#X
M&3?_ !='_"/:9_SRG_\  R;_ .+K3HH S/\ A'M,_P">4_\ X&3?_%T?\(]I
MG_/*?_P,F_\ BZTZ* ,S_A'M,_YY3_\ @9-_\71_PCVF?\\I_P#P,F_^+K3H
MH S/^$>TS_GE/_X&3?\ Q='_  CVF?\ /*?_ ,#)O_BZTZ* ,S_A'M,_YY3_
M /@9-_\ %T?\(]IG_/*?_P #)O\ XNM.B@#,_P"$>TS_ )Y3_P#@9-_\71_P
MCVF?\\I__ R;_P"+K3HH S/^$>TS_GE/_P"!DW_Q='_"/:9_SRG_ / R;_XN
MM.B@#,_X1[3/^>4__@9-_P#%U7OM!TY-.NG1+A72%V5A>39!"DC^.MNJVH?\
M@N\_Z]Y/_030!<T=VDT2P=V+.UM&68G))VCFKM4-$_Y .G?]>L7_ *"*OT %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110!F>(O\ D6-6_P"O.;_T TEO_P >L'_7)?Y"E\1?\BQJ
MW_7G-_Z :2W_ ./6#_KDO\A0!)1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !5;4/\ D%WG_7O)
M_P"@FK-5M0_Y!=Y_U[R?^@F@"UHG_(!T[_KUB_\ 015^J&B?\@'3O^O6+_T$
M5?H **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@##N-4U)]9NK&RAM-EM'&S//(P+%]W0 'IMI?M6O?\ //2_^_DG_P 3
M4,/_ "-6L?\ 7&V_]J5HT 5/M6O?\\]+_P"_DG_Q-'VK7O\ GGI?_?R3_P")
MJW10!4^U:]_SSTO_ +^2?_$T?:M>_P">>E_]_)/_ (FK=% &9=7UQ?>$M>^U
M111S017$+>4Q*G"'D9 />K]O_P >L'_7)?Y"LF3_ )%KQ5_OW7_HNM:W_P"/
M6#_KDO\ (4 24444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 56U#_D%WG_7O)_Z":LU6U#_D%WG_
M %[R?^@F@"UHG_(!T[_KUB_]!%7ZH:)_R =._P"O6+_T$5?H **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#GH?^1JUC
M_KC;?^U*T:SH?^1JUC_KC;?^U*T: "BBB@ HHHH SK.T-_IGB"S#[#<7,\6_
M&=NY0,X_&GQV6O1Q(GGZ8=JA<^3)V&/[U3:#UU3_ *_Y/Y+6Q0!A_9->_P">
M^F?]^9/_ (JC[)KW_/?3/^_,G_Q5;E% &']DU[_GOIG_ 'YD_P#BJ/LFO?\
M/?3/^_,G_P 56Y10!A_9->_Y[Z9_WYD_^*H^R:]_SWTS_OS)_P#%5N44 8?V
M37O^>^F?]^9/_BJ/LFO?\]],_P"_,G_Q5;E% &']DU[_ )[Z9_WYD_\ BJ/L
MFO?\]],_[\R?_%5N44 8?V37O^>^F?\ ?F3_ .*H^R:]_P ]],_[\R?_ !5;
ME% &']DU[_GOIG_?F3_XJC[)KW_/?3/^_,G_ ,56Y10!A_9->_Y[Z9_WYD_^
M*H^R:]_SWTS_ +\R?_%5N44 8?V37O\ GOIG_?F3_P"*H^R:]_SWTS_OS)_\
M56Y10!A_9->_Y[Z9_P!^9/\ XJC[)KW_ #WTS_OS)_\ %5N44 8?V37O^>^F
M?]^9/_BJ/LFO?\]],_[\R?\ Q5;E% &']DU[_GOIG_?F3_XJC[)KW_/?3/\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** .>A_Y&K6/^N-M_[4K1K.A_Y&
MK6/^N-M_[4K1H **** "BBB@"OH/75/^O^3^2UL5CZ#UU3_K_D_DM;% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110!ST/_(U:Q_UQMO_ &I6C6=#_P C5K'_
M %QMO_:E:- !1110 4444 5]!ZZI_P!?\G\EK8K'T'KJG_7_ "?R6MB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH YZ'_D:M8_ZXVW_ +4K1K.A_P"1JUC_
M *XVW_M2M&@ HHHH **** *^@]=4_P"O^3^2UL5CZ#UU3_K_ )/Y+6Q0 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 <]#_R-6L?]<;;_ -J5HUG0_P#(U:Q_
MUQMO_:E:- !1110 4444 5]!ZZI_U_R?R6MBL?0>NJ?]?\G\EK8H **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** .>A_Y&K6/^N-M_[4K1K.A_Y&K6/^N-M_[4
MK1H **** "BBB@"OH/75/^O^3^2UL5CZ#UU3_K_D_DM;% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110!ST/_ "-6L?\ 7&V_]J5HUG0_\C5K'_7&V_\ :E:-
M !1110 4444 5]!ZZI_U_P G\EK8K'T'KJG_ %_R?R6MB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH YZ'_ )&K6/\ KC;?^U*T:SH?^1JUC_KC;?\ M2M&
M@ HHHH **** *^@]=4_Z_P"3^2UL5CZ#UU3_ *_Y/Y+6Q0 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 <]#_ ,C5K'_7&V_]J5HUG0_\C5K'_7&V_P#:E:-
M!1110 4444 5]!ZZI_U_R?R6MBL?0>NJ?]?\G\EK8H **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** .>A_Y&K6/^N-M_[4K1K.A_Y&K6/^N-M_[4K1H **** "
MBBB@"OH/75/^O^3^2UL5CZ#UU3_K_D_DM;% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110!ST/_(U:Q_UQMO_ &I6C6=#_P C5K'_ %QMO_:E:- !1110 444
M4 5]!ZZI_P!?\G\EK8K'T'KJG_7_ "?R6MB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH YZ'_D:M8_ZXVW_ +4K1K.A_P"1JUC_ *XVW_M2M&@ HHHH ***
M* *^@]=4_P"O^3^2UL5CZ#UU3_K_ )/Y+6Q0 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 <]#_R-6L?]<;;_ -J5HUG0_P#(U:Q_UQMO_:E:- !1110 4444
M 5]!ZZI_U_R?R6MBL?0>NJ?]?\G\EK8H **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** .>A_Y&K6/^N-M_[4K1K.A_Y&K6/^N-M_[4K1H **** "BBB@"OH/75
M/^O^3^2UL5CZ#UU3_K_D_DM;% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!
MSUQ;:E;:]>W=O8+=0W,4*@BX"%2F[.01_M"G^?J__0$_\G$_PK>HH P?/U?_
M * G_DXG^%'GZO\ ] 3_ ,G$_P *WJ* ,'S]7_Z G_DXG^%'GZO_ - 3_P G
M$_PK>HH R]#MKJ""Z>[A6&2XNGF$:OOV@XQS^%:E%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44QY8XR@=U4NVU0
MQQN/H/>GT %%%% !11D'H>G6B@ HIDDT<4;222(D:_>9F  ^IH$L;2&,2*9%
M 8J#R >AQ0 ^BFLZHI9V"J!DDG %".LB*Z,&1AE64Y!'K0 ZBBJ\-_9W,K10
M7<$LB_>1) Q'X"@"Q1110 445%'=6\S!8IXG8KN 5P21G&?IGB@"6BB@D#J:
M "BF1RQS)OB=77)&5.1D=:?0 44R.6.4N(Y$?8VUMK9VGT/O3Z "BHOM5OYG
ME^?%YF[9MWC.[&<8]<<TYY8XRH=U7>VU=QQD^@]Z 'T5%)<V\3%9)XD8#<0S
M@'&<9^F>*<DT4N?+D1\,5.U@<$=1]10 ^BBF3316\32S2)'&@RSNP  ]R: '
MT56FU"RMTC>:[MXUD&4+R !A[9/-6 00"#D'H10 M%%% !141N(%F,)FC$H7
M>4+#=M]<>GO3HIHKB)989$DC;HZ,"#^(H ?129!Z'IUILDL<*;Y9%C7(&YC@
M9/ H ?139)(X8VDE=41>K,< ?C3J "BHA<0-<-;K-&9U7<T88;@/4CKBI: "
MBF/+''CS)$3<0HW,!DGH/K3Z "BF2RQP1F261(T'5G; 'XT^@ HHHH **898
MQ*(BZ^81N"9Y(]<5&U[:*LK-=0A83MD)D&$/H?3\: )Z*0$$ @Y!Z&@D#J<4
M +13(I8YHQ)%(LB'HR'(-/H **BGN8+6(RW$T<,8."\C!1^9ID%_9W7_ ![W
M<$W./W<@;G\* +%%%-,B*ZHSJ'?.U2>3CKB@!U%%% !12$A022 !R2:AFO;6
MVA6:>YABB;[KO(%4_0F@">BF12QSQ++#(DD;#*NC9!^AI] !110"#T.: "BH
MQ/"5#"5-I;8#N&-V<8^N:DSCK0 44U)$E0/&ZNIZ%3D4Z@ HJ-+B&662*.:-
MY(L>8BL"4STR.U1F_LUNA:M=P"X/2(R#?^76@"Q1110 44A( R3@#J:BM[RV
MNXO-MKB&:,';NC<,,^F1WH FHH) ZG%% !1110 44A90"20,<GGI0KJZ*Z,&
M5AD,#D$4 +134=)$#QLK*>C*<@TZ@ HHHH **** "BBB@#C/B!97]VWA^2PM
MIII+;4?.8Q)N\L"&0!C^)'YUR5E#XZB2VN)+[7))$ATV=HI(UVM+(^VY0C;]
MU5ZKVZUZEJFK6^D6ZS7"SOO;:B01-(S'!/0#T!.:RO\ A.M 8$I<RR((8YMZ
M6[E2),>6H./OMGA>M V>=:=K/C2^N+^;19]3O)T?4HV%Q$OV50C,(/+; R^X
M8QGUSQ5NU/C*]$-K;77B&/39=1MD:ZNX52Z13&_G_P /"!MF"1P3QQ7HECJ^
MCKH<NHV:^7:1N_FI% 0ZR;L,"@&=^[J,9S4,/C+1)H99#<O%Y,<LDJ2Q,K((
MR X((ZC<O'7YA0(\PNH/%.CV6KV.G+XD:XDU:ZE6X + C9F(Y"$L&/IA<CG%
M;4+>-;C4X+R6?5HT%UIT9MUB"QF.2(?:&(QGAL\Y^4BNQN_&>F0&YB5G6:*-
MI%^T0O&CA2 ^&V\XR,X%1Q>-M/2%7ODE@)N)(2RQLZ(%E,2LS 87)%%A7.,M
M-%U-O@7JFCR6NIS:@7FC:"X0F1B9L_)QR"#G/J35"'2O&6B7^MHL5[(+>&QL
MX]0MX]TT]FLCEV3/!E5& /TS7;CX@6QTRYF^R2K>0R2(L#JRK*$F\IBCD8;&
M02!TS6WI_B;2M3U%[&UG9IE#E"T9590C;7*,1A@#P<4Q]3R^:T\37D^E7MU'
MK4T,?]I06OF19D:-HQY!G3'!8[AD@9 &>M7])E\5P:A8P7$6M121VELMG!!;
MH+,KY'[SSR1\I$G!Y!'&!79:KXXTO3$OP8[J6>UAEE6,0,HF\O[X1B,'&1G_
M .M6C>^(=.TVU6XOIFMT:V:Y^=#D(N-W;J-PXZTX0E-\L%=L3.3^&EQXIG-X
M?$+WA'E1%ENX2I6?GS A(&5Z<#('8\UQ?AWPEK^D76BZDVE!9 ;YH?)LQ'-#
M<$R",7+]7B8'@\8.,\5ZU-XNT2W:X$MZ%%OLWML;'S%5&#CGEE!QTS2GQ7HP
MG:%KO:ZW*6O*, 9&9E4 XY&589Z<&M?JU:U^1_<_ZZH.9'EUKJOC.WT!7U2\
MU2&&2]M8[DF/9<KN#>:L)<#=\VWA0<#.TFJRZ_XSO_#^FW&FOK5Q.LEPRSH@
M99-MT5".JJ02(P>I"XZ9->K:IJ>A7FAP2W\"WMC>2B.&)K8R^:_. $P?[IP:
MAM_%/AVSMX[>U)BMX[<2A(;9@D2$E0" ,*Q8%0O7(QBB.&K/50?W VCC;@>+
MD$U[<W6O"UEUN6&:*UC!DAM%W&-HEVYP6VY//%8>DZ;XMTS0+=;*QU"UNETS
M8)!;+YJNU_EATZ^62Q'3'->JGQ=HZQJ\L\D19FC\N2%E<2+C,>,9W_,"%ZD'
M(S4K>)])3R-UP09I&C ,;?*RR",[N/EPY Y]:/JU9?8?W";5MSS35]1\3Z.W
MV2\U'5TL8[Z]$,T?E_:956-6A/(^:,$ODXQP,\5J:DNJ:U\//!.HM)J,TZW5
ME=7CV@S(RD?,Y '."0:Z?5=7\+:BRVVIV\-ZD,AW&6T,J0D.4W,2"%&X$9]C
MZ4MOXUTA+0--'-:*DDL?EF%CLCB?89#@?*F1U_P--82NU?D?3H-R5S@+*Q\:
MZ'I$G]CKJ/FW$&I/]EDC!CAD$^8B@(X9E9R,D[JZSPKJ.O6G@_5;W4(KZ]E@
M=VLH986$\BA!A>0&;+9P2!^E=1J6NV.E^2)VD=IE+HL$32-L7&Y\*#\HR,GW
MJH_C#18VGWW+K'"KMYIA;8^S[X1L88KW _I4QP]:2O&+:?D%TCS/PWH'C70H
MM4M/L\MI<ZM9F\6ZAE\X"^1MS;\C">8"%QS]W@U8UJ^\=3>'(;R.#6;>_OY+
MFYC@MUR+0*H$,+ *22<%N<#).?2O1K+Q5IE]?)9Q&Y2=G:/$MLZ .%W;22,!
MMOS8]*VZBI2G3=IJPT[GD36?B%_$$>I2:3=NT6I&Y7RX%0G_ (E^"<D8_P!9
M\N3GGBL=5\6:C:0'4[?Q ]O;:K9W,;B M<1(8I!,5)4$X; Z<9X[5[K14=1W
M/$KRP\5ZKI9^W:??7#OIZ*CRVX$K!;]60.0.'\H;B/QZU8?1M??Q!%.9-3T[
M=-J\<5Q#&$BB9G#0N_& K#)W'KM'->RU'/!#=6\EO<1)+#(I5XW4,K ]00>H
MH$</X'U?7_$'A74M?E/^D70*V%LY'EH8TV9SZ-(&/TQ7%W=AXK\0^';FPNAK
M\]NRV3W*WD*H_P!J\X><L8QS$%^;N!@<]:]L@@AM8(X+>)(H8U"I'&H55 [
M#H*DHZATL>;^-O"=YKGBGP[;V=K:O:P65U$\U[9_:(8\A N5R &.#CZ&JC:)
MXLT*.^L-%OM1FBTC1H4T]65?+N9SO#DY'+ 8(7.,[:]3HH \>GNO'']CW?\
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MWOC#2-/T2TU>X:[%I=D"(I9RN_()Y0+N7IW K)_X6IX7_P">FI?^"NX_^(H
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M_"U/"_\ STU+_P %=Q_\16I'XTT:3P]+KBM=_88Y/*8FSE#[L@<)MW$<CG%
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** .4\?>,6
M\'Z1;R6MF;[4[ZX6ULK;. \C>I]!_45RYG^-3'<+3PRH/.TLQQ[=:9\8E+ZU
MX%0.Z;M84;D.&'*\CWKMSI;AB/[7U3K_ ,]U_P#B: .*\[XU_P#/MX9_-O\
M&CSOC7_S[>&?S;_&NT_LM_\ H+ZI_P!_U_\ B:/[+?\ Z"^J?]_U_P#B: .+
M\[XU_P#/MX9_-O\ &CSOC7_S[>&?S;_&NT_LM_\ H+ZI_P!_U_\ B:/[+?\
MZ"^J?]_U_P#B: .+\[XU_P#/MX9_-O\ &CSOC7_S[>&?S;_&NT_LM_\ H+ZI
M_P!_U_\ B:/[+?\ Z"^J?]_U_P#B: .+\[XU_P#/MX9_-O\ &CSOC7_S[>&?
MS;_&NT_LM_\ H+ZI_P!_U_\ B:/[+?\ Z"^J?]_U_P#B: .+\[XU_P#/MX9_
M-O\ &CSOC7_S[>&?S;_&NT_LM_\ H+ZI_P!_U_\ B:/[+?\ Z"^J?]_U_P#B
M: .+\[XU_P#/MX9_-O\ &CSOC7_S[>&?S;_&NT_LM_\ H+ZI_P!_U_\ B:/[
M+?\ Z"^J?]_U_P#B: .+\[XU_P#/MX9_-O\ &CSOC7_S[>&?S;_&NT_LM_\
MH+ZI_P!_U_\ B:/[+?\ Z"^J?]_U_P#B: .+\[XU_P#/MX9_-O\ &CSOC7_S
M[>&?S;_&NT_LM_\ H+ZI_P!_U_\ B:@OK&:#3KJ:/5]3$D4+NN9E(R%)'\-
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M 4444 %%%% !1110 4444 %5-4_Y ]__ ->TO_H!JW535/\ D#W_ /U[2_\
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M_%__ )#W@/\ [#*_S6O16^^WUKSKXO\ _(>\!_\ 897^:UZ*WWV^M "4444
M%%%% !1110 4444 %%%% !1110 4444 %5-4_P"0/?\ _7M+_P"@&K=5-4_Y
M ]__ ->TO_H!H TM/_Y!MK_UQ3^0JS5;3_\ D&VO_7%/Y"K- !1110 4444
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M,L);<N))"3EB,X%>C^%K33/!VFZ-X83*7EQ"\WRQ$"610#*Q(& <MP/3@=*
M$O/"?A">]AL[F&W6Y:Q^PI;_ &EE:2W_ +NW=E@.>>OO5@:!X7N)[M%2V>6.
M[BO;A5G),<T8 1F&?EP%'!XXKA?$K:/>?%*SLETV>VECO+>YNM4%G+(\TJ8$
M<,; $(O(W-D#J/6N=T6S@MI7_M/1KR3['IU^FOHENZM=.]P#$FX >86Z@@G
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M7/\ Z":]0KR_QC_R7#P'_P!<KG_T$T >H4444 %%%% !1110!Y7\7_\ D/>
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MM#$#DX[?2@1+1110,**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M<I-=01N!DJ\@!Q^-21RQRKNCD5QZJ<T /HHI&954LQ 4#))/ H 6BCJ,BB@
MHJLFH64DBQI>6[.QP%6522?SJS0 45$+F W!MQ-&9E&3&&&X#UQUIK7MHC*K
MW4*L_P!T&0 GMQ0!/113!+&S;5=2W/ //'6@!]%%% !112%U5E4L S?=!/6@
M!:*0.I9E# LO4 ]*6@ HHI&8*I9B H&23VH 6BFQR)+&LD;JZ,,JRG((^M*&
M5BP# E>H!Z4 +1110 4444 %%%% !1110 5Y?XQ_Y+AX#_ZY7/\ Z":]0KR_
MQC_R7#P'_P!<KG_T$T >H4444 %%%% !1110!Y;\7/\ D/\ @+_L-)_-:]2K
MRWXN?\A_P%_V&D_FM>I4 %%%% !39(TFB>*1%>-U*LK#(8'J"*=1TH \GOM!
MTZUT;Q])9Z7:V\\<_EV\D5LH9%,,7"X'3)/ ]ZL:QK?B#2+NZTO^TYI+6.^@
M1[^;RXFC1X6<C?L*J"X !*G&<>AKTM;B!@Y6:,A#AB&'RGWH\^WD(C\V)BZ;
MPNX'*^N/2@9D>$+Z]U'PS:75_+'-.^\>;&"!(H8A6Z#D@#D  ]1Q7$3^-=5_
MLQ(8;[.J0VVIO=1B$%HVC)\G<,<<8P._O7I5Q>Q6ZQ$AI/,=441+N/S' /'\
M/O4BS0$R[9(R8_\ 688?+]?2AZB/.;K5]:TV_FTZZUNX%CY]J9]2>&,/;I)'
M(6 (7: 711D@[=WTK AU_5]-TJWAM-3\BU87MS%>R%8OM4WVE\9#1MN&,'8H
M!;=Q7LZ/'/$'1DDC8<%3D$4DDD*-&LKHK,V$#$#)]O>A[AT/-KO5_$)T_5-0
MDUK[*8]0BM%A:-8XD3RXV;$A0E22Q 9P0.AYYJK%XDU*:..Y%Q/!%)!;1W6H
M/;Q^;%&9YE:3< 5(^50&QMPV[ KU,S0M*;<R1F3;DQ[AG'T]*R->FTB:S@M[
M^=PDEVD,;V\I5HYN2OS*<KC!H8'#66M:YJV^WMO$-R8(O[19+J.WCWRB%HQ%
MG*X_B/0?-4<7BWQ)<ZO:;[F*WD861BM7(47"R(ID;9L+-DEAD, NWGO7I.EV
M%CI6G+#9<0$F4R-(7+LQR79B222><DU:EEBB1Y6P3&,X')^@]S0!YOX9U&XU
M3QEI%Q=ZI+<WQLKLW5FT2J+)]\8V< $=,88DG&:UOB%K%_I/V%K34A:1E97D
M12J/*5 V[6=60D<_(<%NQXK<_P"$JT=9DB:<I,\D4;QLA#1M(A=0_I\JGZ5J
MRW%O':-=2R)]G1/,,A.0% SF@.IY>NKW,&N:AYFLW=A;7M] UU-+&BO:QM:*
MR8#*0FYQLR<@;<=>:E@\3ZG-Y']I:[-I\*VYDLYTLU)U%A,Z E".<H(SL7!.
M_/3&.\L/$&E:K</!;7"2-Y44HW# =9 63&>O /':M$21/*T8=&D3!*Y!*^G'
M:C8#QF6[U/\ X1O7M-N0]O;2&Z?3T1-PG/VL^8S$C(9<C"]"#GGMT5YJVJZ=
MJDVDWFNW$.G)?*DFJ/'&)(U:#>$SMV@%\C<1[=Z]%>:*-U1Y$5F.%#, 2?:F
MM- 7:)I(]P7<R%AD#U(]*&'6YY+;ZWJIO)+^>ZDMA<0V<%QJ(A"E;?S[D";:
M1A2P"<D8&_.*K1Z[J>G6GEV>JF.RFNK^<:C(R1?:)%E&P9:-@>"3M !;M7LQ
M9.5++Z$$^M,\ZW=6Q)$PC;#?,#M(]?0T#N<KX5NM9U/6+^XU&^<1V\<"+:)"
M%CW/"CLV2N\_,3@$C%9GBX7\/BB_O]/OI[26ST!IU,4:L)&61B%;<#QQR!@G
M/6NWO-4L=/MHKBZN8XX99$BC<G(9G("@?4FK FB:5HED0R( 60,,C/J*&)'F
M,'BG7YO%+1O=1PG[68A8LPY@\O<'";"V3][>6V]JI7/B'Q+9Z5H[W&LR(+S3
M3?-=3>7"#.0N(@/+8%0.=F-S9Z\5ZT\L$4J"22-)'^5 Q +>P]:3S8&D,9DC
M+J-Q7<,CWQ0!Y9I^J7]OXAO#'J;IJ5WJELLNEI"-CH\$0ED&Y=WRC<<Y &S!
M'-=/X0U?6-6U&Z@OY#MTI/L5S^["B>YW$EQ[;-AXX_>'TKK!/;NKN)8R(\AV
M##Y?7)[5G:9!IVCK'96:RLEQYER9V8R!VR,LTA)R3D8R>@]J L<?\1/$NH:1
M>/#I]]-;30V)N43]VJ2/N( ^96:0\<HH&,Y)Y%5QXHU)];N!#K#2W2:E]G72
MQ$FT6YB#,^<;N"2=V<<8[UZ!/JNG6[V@ENH0US-Y$!SG<^"2!^"FJ0;1M-U.
M?3#B*?45DNY-Q.'^XC<GH3E>*0SSZS\6ZP^DP3VNNR7\<]E;RZA=?9D_XESM
M(BN0 N/N%SM.<;,]*6_\1:K&L\EE?&^CM%O18ZB]LC,X6&-@00N#M<LN0 &Q
MCG%>E6#6&G6IL(5-M;V(2W4R\*1M&W#'[W&!GU%7R4CC+$JB*,DG@ 4^@EH>
M8:G/J4.M6]E?:S=R6UEJ]E(+ED1#B2*3*L0N-NX #CC=CTK3\"Z]J&H:S=V=
M_J#WK"'S=T84Q(=^,8VJ\3=O+?)X)S7=K+%(@99$96&X$,""/6J=IJUC=:A>
M64,J_:+9PDJD8R2@<8]?E8<TP.;\>:-IU\VBSW&FVUQ,=5MHFD>!78Q[CE2<
M?=]NE8\\=WHWB36KK2[A[6WM[W3H5LHH4\J1&"(P/&0,-QM(QBN^O=7T_3[6
M6YNKN*.&)U21MV=K,0 #CODBHXM;L);X6)E,=T5D=8I!M+(C!68>V2,'O20,
M\XD\5ZXEE//;ZK)-J36UX]Y9&W7&GM'GRR!MR.<+AB=V<BM WWB"PUB57UJ[
MN8;74;* 1O;QXE2<+YF[:H/&3MQC'?-=Y=ZE8V$UNES/'%)=3""('J[D$@?D
M#5E)8Y'=$D1F0X<*P)4^_I2LP/(+?QEK4[W9@UAECFL9)P]RB-Y#K*@&4C0^
M5\K,"&+D=3T-=YX'U2?5=$E>XFFG>&Y>+S9&1PP&#\KH LB\XW8'<8XKHV:.
M%&=RB(.68\#ZFF?:+9(D?SHEC8#:=P /IBF!Y@?"=WXBU?Q,D5MI4*/JF/[0
MEB8W<6$B.8R!CCL<]<UZ=;7=O=>:()5D\F0Q28_A<=0??FH=0U:STQH%N9=K
MSS)#&HY)9VVKQZ9[T7>K6=C?VMG<2^7+<J[1EN%PF-V3T'WA0#W/./$-UJT_
MBNY\366FRSV>@S) DRS!?W:\W6(\9;(8#([QU3UKQ!?WH\1V,FHO>0SVEWY,
M4"J5B51E-Z%0Z$#^++*^>.U>NF:)9$C:1 [\JI89;Z"F&XMDWNTT*[<!V+ 8
M],T SGO#$NH1:MJNF7E]->Q6T=O)#+-&JL-ZMN7Y0 1E>/3-<YXT\4ZEIOB&
M6&PO9HFM1;L(&\M4DWOAL*5+R_+G)!4+CK7>1ZO92:K<:8)@+J!(W96XR'W;
M<>OW3TJWNC8JP*DG(4YZ_2CK<%L>9W.N>)K1)-0M[V:ZDFN-2@BLFMUV*(1(
M8B,#<3\@ZGYLXK3\$3QW/BC6IH=9DU>-K2T_TET5<']X2OR@ XSG&,C.#7</
M/%'(D;RHKO\ <5F +?0=ZCN;RUL;.:ZGF2.WA1I)'SP%7EC^'-(#D_&NB:9>
MZOX<GN-+M9Y9-32.61X%8LGE2<,<<C..#Q6-)=:HNMW&EZ?=-IMK]MNP3:VT
M8)6*WB9!DJ1U)Y[@8KN[#7M.U.XF@M;@,\6S(/&[<@<;?7Y6%7A/"6=1*A:/
M[X##*_7TIA<\P'B#Q!;6=J;K5IO*OK.QN;JZ:W0?8A*[+(4&W '"CYL[<YK,
MUF_O+Z$R3ZI<7%JEKJMM9SE%5;U1$A7.%PQSO&1C.S([UZTNIVLDLT9?:L>T
M&1^$?(/"MT/3FI_/M_W:^;%\_P#JQN'S8]/6AZW!:'G1U?6_#\=Z\NHW%Y9Z
M9%9WD_F0)N:%PZS*-H'"@!QW&,9YKM?#LE_/H%K<:FV;NX4S.NT#RPQ+*G_
M5('X5+J5A8:W UA=.9(T=7EA28KG'(#@'E3Z'@U#=^)-*L;PV<UR!<+)#$T:
MC)0RDA,^@.T\]J .<TK0M%LOB#KUPNE64*VUK:RQR+;JOEG][N93C@\#.*[(
M3B[L!/9R*XEBWPOV.1E3].E.-S (DE,\8C<@*Y<8;/3!I6GA1]CRQJV"=I8
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M\EJVS'R!@3NZ^U86C_$6SFT6.[U>WN+.3[(UR7,)$<P5PA\ODD_,RCG&=PI
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MW5;VZ"VT=M;^8L?[A8W#QG&W#$$#);.1UIT_@"&XTG["VIR_/([RYMH3&^X
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M3!/!NC(:$B6./+L6^<8DR2<<KU -=IX;US4;W3M6^W^09K"0JDK,B[AL#?O
MC.%(SS@],'%#$4!\,[".VA$-[)'<H9=THMX64K(0658RI5 "H(V@8YZY-=A;
MVB6VGQV<;/Y<<0B5MWS8 QG/K[UYB/%6M:A;6D-QJ4=K="_L9',<*[3%*Y!
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M.X8(&MEC8.F %PQR!DL#D"EG\!VUY*MU>ZG>W&H+&5CNV*AXG\P2!TXPN"
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MDR3(C,1(7"G&X[0< Y&30!TLGABYO+5[;4]>O+V(RPRJ&BB38T<@<8VJ.I4
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M@U'7["SF:33+6ZC6VS*9 A:)6=0Q). QSC/&3754 %%%% !7E_C'_DN'@/\
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M8OLFHB9=EG$B1B1#\V1@K)D $-O_ "0'I/\ 9>G'4/[0^P6IO0,?:/)7S/\
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M>(M4TB_CMF>#3?-DEM--U0M/(W[H*,MOX&_<RJQ.#@GIBNP\.375K8Z?HU]
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M444 %>7^,?\ DN'@/_KE<_\ H)KU"O+_ !C_ ,EP\!_]<KG_ -!- 'J%%%%
M!1110 4444 >6_%S_D/^ O\ L-)_-:]2KRWXN?\ (?\  7_8:3^:UZE0 444
M4 %%%-DD2*)Y)#M1%+,?0"@#S&\\/ZH^C?$N)-/E,FHR,;-0HS,/)5?E_$8K
M/_X1[Q%IL\UKI\6J&S,^DS*'G9^0Q^T8).<8 W#I78?\+2\%E2PUM-H4/GR9
M,%2<;A\OW0>">@[UIOXQT%-<CT9M047LC!%7RVV%RNX+OQMW$<XSFA?Y?@#>
MYQ'@_3_$-E\1+I[FTU.2RE-P9;F\=TV?-E!P[1R@]MH!4=:I_$ WUWX\O[&U
MBUJZD_L)7M(M.N&017)D8)(X##@'OR/6NK7XF:'<^([73;*XCGM7@N)KB\)9
M$A$0&2,C#*?FY!Q\M;>AZWH/B*6:^TJ2*:XC58I9#"4E"GYE!W -M/4=CVHZ
M(>USSNY\-^+9;7Q1?>9J+:MBWCM?+NF5'C\N/S_*&=H8D. <=>F*K2:5XE?2
M-1CT*RUZT22_MSHB7<Y$EJP7]])*6+'RC_=;.3T%=YXB\=V6@:VNCO;RRWCV
M$UZF 0I\L$A<X/)P>>@Q[BJ<'Q,TF]\+RZG9RP&\@MX)Y[69VC5/,*C[Y7Y@
M"2,@$$BC<6QP^I+KEA8>'+.REU&TU#6K9M(O+:[NBTT4A?<;D<\\"7YAV*].
ME>M:/J,%S-?:;##<)_9DB6S/-R)/D5@0<G/!&<\YJA;:]X6U+Q3]GA>WFUF#
M? LWV<DKMY=%EVXR,\@&G:IXU\-:#J+6&H:E';70VO(AC8[0W 9B!@ ^I.*
M/,;_ $+XA0WUU;63WK6D,TFF6\AF8E[>=G8SDYZQ@JN>O%:+>%-9L_$5[J5C
M;ZDDJ^(;3RF69MCVHC19'9<X8<')()XKO)_'?AFVN[ZUFU6-);!2UUE'Q%C
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MJ%&#Q1E<DEMZJ3VY)KK/&O@R#QE:V,,ERULUK<B4LJY\R,C$D9Y'# XKJ**
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M4 %%%% !7E_C'_DN'@/_ *Y7/_H)KU"O+_&/_)</ ?\ URN?_030!ZA1110
M4444 %%%% 'EOQ<_Y#_@+_L-)_-:]2KRWXN?\A_P%_V&D_FM>I4 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %>7^,?\ DN'@/_KE<_\ H)KU"O+_ !C_ ,EP\!_]
M<KG_ -!- 'J%%%% !1110 4444 >6_%S_D/^ O\ L-)_-:]2KRWXN?\ (?\
M 7_8:3^:UZE0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 5Y?XQ_Y+AX#_P"N5S_Z
M":]0KR_QC_R7#P'_ -<KG_T$T >H4444 %%%% !1110!Y;\7/^0_X"_[#2?S
M6O4J\M^+G_(?\!?]AI/YK7J5 !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH *\O\8_\EP\!_P#7*Y_]!->H5Y?XQ_Y+AX#_ .N5S_Z": /4****
M "BBB@ JAJ6H06!MS-;7$[2.5C$$#2$'!/8<<9YJ_67K-Y?6@M_LD1*.Y$LH
M@:8QC''R*03D]^U 'G'Q.F-QJO@&8B9=^N A9H]C*-RX!%>MUXW\0)Y[F]\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M@WEQWTY@69F54C(0MER2,#"U8E\0Z+!:VMS-JUC';W9Q;RO<(%E/^R<X/X4
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MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "O+_&/_)</ ?\
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M/G]* .?_ .%O> O^ADM_^_<G_P 31_PM[P%_T,EO_P!^Y/\ XFM__A%?#O\
MT =+_P# ./\ PH_X17P[_P! '2__  #C_P * ,#_ (6]X"_Z&2W_ ._<G_Q-
M'_"WO 7_ $,EO_W[D_\ B:W_ /A%?#O_ $ =+_\  ./_  H_X17P[_T =+_\
M X_\* ,#_A;W@+_H9+?_ +]R?_$T?\+>\!?]#);_ /?N3_XFM_\ X17P[_T
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MK?\ ^$5\._\ 0!TO_P  X_\ "C_A%?#O_0!TO_P#C_PH P/^%O> O^ADM_\
MOW)_\31_PM[P%_T,EO\ ]^Y/_B:W_P#A%?#O_0!TO_P#C_PH_P"$5\._] '2
M_P#P#C_PH P/^%O> O\ H9+?_OW)_P#$T?\ "WO 7_0R6_\ W[D_^)K?_P"$
M5\._] '2_P#P#C_PH_X17P[_ - '2_\ P#C_ ,* ,#_A;W@+_H9+?_OW)_\
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M#_A;W@+_ *&2W_[]R?\ Q-'_  M[P%_T,EO_ -^Y/_B:W_\ A%?#O_0!TO\
M\ X_\*/^$5\._P#0!TO_ , X_P#"@# _X6]X"_Z&2W_[]R?_ !-'_"WO 7_0
MR6__ '[D_P#B:W_^$5\._P#0!TO_ , X_P#"C_A%?#O_ $ =+_\  ./_  H
MP/\ A;W@+_H9+?\ []R?_$T?\+>\!?\ 0R6__?N3_P")K?\ ^$5\._\ 0!TO
M_P  X_\ "C_A%?#O_0!TO_P#C_PH P/^%O> O^ADM_\ OW)_\31_PM[P%_T,
MEO\ ]^Y/_B:W_P#A%?#O_0!TO_P#C_PH_P"$5\._] '2_P#P#C_PH P/^%O>
M O\ H9+?_OW)_P#$T?\ "WO 7_0R6_\ W[D_^)K?_P"$5\._] '2_P#P#C_P
MH_X17P[_ - '2_\ P#C_ ,* ,#_A;W@+_H9+?_OW)_\ $T?\+>\!?]#);_\
M?N3_ .)K?_X17P[_ - '2_\ P#C_ ,*/^$5\._\ 0!TO_P  X_\ "@# _P"%
MO> O^ADM_P#OW)_\31_PM[P%_P!#);_]^Y/_ (FM_P#X17P[_P! '2__  #C
M_P */^$5\._] '2__ ./_"@# _X6]X"_Z&2W_P"_<G_Q-'_"WO 7_0R6_P#W
M[D_^)K?_ .$5\._] '2__ ./_"C_ (17P[_T =+_ / ./_"@# _X6]X"_P"A
MDM_^_<G_ ,31_P +>\!?]#);_P#?N3_XFM__ (17P[_T =+_ / ./_"C_A%?
M#O\ T =+_P# ./\ PH P/^%O> O^ADM_^_<G_P 31_PM[P%_T,EO_P!^Y/\
MXFM__A%?#O\ T =+_P# ./\ PH_X17P[_P! '2__  #C_P * ,#_ (6]X"_Z
M&2W_ ._<G_Q-'_"WO 7_ $,EO_W[D_\ B:W_ /A%?#O_ $ =+_\  ./_  H_
MX17P[_T =+_\ X_\* ,#_A;W@+_H9+?_ +]R?_$T?\+>\!?]#);_ /?N3_XF
MM_\ X17P[_T =+_\ X_\*/\ A%?#O_0!TO\ \ X_\* ,#_A;W@+_ *&2W_[]
MR?\ Q-<JNMV/CWXT:!=^'GDNK'1;:9[J[$9$>74@*"1UY'Z^E>D_\(KX=_Z
M.E_^ <?^%:%I8VEA#Y-G:P6T6<[(8PB_D* )Z*** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
AHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>gbzq35mlzuyy000003.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 gbzq35mlzuyy000003.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  M ($# 2(  A$! Q$!_\0
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M'=R(D%Q>H9=_0QI\[#\< 8]ZO> +.XLO!=@ETC1R2!YA$PP8U=BRKCM@$#%
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M9]G8_P 4$SH0?48/6KN@>%XO#L\QM=1U":VD4!;>YG\Q8SGJI//ZT ;U%%%
#'__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>gbzq35mlzuyy000005.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 gbzq35mlzuyy000005.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" -L M # 2(  A$! Q$!_\0
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MI3J ,S_A'M,_YXS?^!<W_P 71_PCVF?\\9O_  +F_P#BZTZ* ,S_ (1[3/\
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MA_\ 04@_)O\ "C_A)]#_ .@I!^3?X4 :M%9/_"3Z'_T%(/R;_"C_ (2?0_\
MH*0?DW^% &GY:^<)>=P39[8SFGUD_P#"3Z'_ -!2#\F_PH_X2?0_^@I!^3?X
M4 :U%9/_  D^A_\ 04@_)O\ "C_A)]#_ .@I!^3?X4 :U,DC650&SPP88]0<
MBLS_ (2?0_\ H*0?DW^%'_"3Z'_T%(/R;_"@#6HK)_X2?0_^@I!^3?X4?\)/
MH?\ T%(/R;_"@#6HK)_X2?0_^@I!^3?X4?\ "3Z'_P!!2#\F_P * -5@&4J>
MA&#2(@CC5!G"J%&?:LO_ (2?0_\ H*0?DW^%'_"3Z'_T%(/R;_"@#3$:B9I1
MG<RA3^&?\:'C5VC8YRC;A]<$?UK,_P"$GT/_ *"D'Y-_A1_PD^A_]!2#\F_P
MH UJ*R?^$GT/_H*0?DW^%'_"3Z'_ -!2#\F_PH UJ*R?^$GT/_H*0?DW^%'_
M  D^A_\ 04@_)O\ "@#6HK)_X2?0_P#H*0?DW^%'_"3Z'_T%(/R;_"@#6HK)
M_P"$GT/_ *"D'Y-_A1_PD^A_]!2#\F_PH ?J_P#Q]:+_ -A%/_1<E);WNLW\
MUZT5W9P10W<D"(ULSG"X&2=XY_"J5UK&G:CJ.C065VD\HOU<J@/"B-\D\=.:
MNZ)]W4_^PE<?S% $_P#Q/?\ H)67_@&W_P <H_XGO_02LO\ P#;_ ..5=HH
MI?\ $]_Z"5E_X!M_\<HQKO\ T$K+_P  V_\ CE7:* *7_$]_Z"5E_P" ;?\
MQRI-%OKVXO=2M+V2"1K62,))%&4R&0-R"3ZU9JCHG_(?U[_KI!_Z*6@#>HHH
MH **** "BBB@ HHHH *JZE_R"[O_ *XO_P"@FK55=2_Y!=Y_UP?_ -!- &=I
M7_(&L/\ KVB_] %6ZJ:5_P @:P_Z]HO_ $ 5;H **** "BBB@ HHHH ****
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M(V*#]TK=" 6(8G\1BF:=XFU:YU.UTXV"$LY2:9]P\H+NR'^7&]MN1CCYOID
M[&BN1USQ-J=KJEYIUI8D>7!OCG(W$G86W!>X!&W'J:KV_C349Y]DFEI:H92N
M^8N0F"?W;!03O.,CMS^8!VU%<)%XOUM+>1KBRM@(Y#&TS+(H#?.0",'LH7ZG
M\#8E\5ZN$\TZ/(JLYV1)N,GRNH*ME<<[N,>AH [.BN>CU^X;PW)J7E02R+(J
M?N]_E@$J"QRN<+DDX!^Z?PYZ'QCKDUO+!]B'G+&S+.J'YN20RJ1RN,+SSWH
M]"HKB_\ A+M4BL78Z1(TD21N[OD*%D8*K=!T^<L.,!?>G1^+=5^PB]ETF-8W
MG2UCC#MO:1D!4],;"S 9[=: .RKF]$^[J?\ V$KC^8H\0>(+_2KJ*WM;)9G>
M+>,[B9&+;=J8'49W'/;\Q2\&FY;1)GO)/,NGNY7E;;MRQP3QVZT ;DDQC;:(
M)GXSE%!'\Z;]I/\ SZW/_? _QJ>B@"#[2?\ GUN?^^!_C4P.0#@C/8TM% !5
M'1/^0_KW_72#_P!%+5ZJ.B?\A_7O^ND'_HI: -ZBBB@ HHHH **** "BBB@
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MJY^;QU8R6MPECI>^.-08VE"K'(,J0?92K@@^] $[?$!0T1&D3^5*Y5"9 &(
M0MQV/[P8&><'I6CXEUZ]T>[T^"TMH)3=,1^]DVG.^-<#ZAS],5936+>XT";5
M6LV;[.9"T/RD[T)4[6Z'D<'-<^?B! TK2M8B2WBB>1R&!='&T;0.YRW/3&*
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M+5ZJ.B?\A_7O^ND'_HI: -ZBBB@ HHHH **** "BBB@ JKJ7_(+N_P#K@_\
MZ":M55U+_D%WG_7!_P#T$T 9VE?\@:P_Z]HO_0!5NJFE?\@:P_Z]HO\ T 5;
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ K+U;_D(Z%_V$/\ VC)6I67JW_(1T+_L(?\ M&2@#I**
M** "BBB@ HHHH YV7Q)IT>ISV,MI([I.%=TBW*I.U5+>Y+ <9JC:>+M(-Q!#
M::3.$?A/+A0,KLP7:5S\IQR<XX%3MK.@KK.H6UU9"&2.9$>9X"1(?E;<2!PH
M9D&X\9JM#J_@VVDCFAM@KQDNDBV4F1P3G.WT0D>RT 7[?Q'I'[JSL;6?-Q$)
MQ';PA<1MU<\C&/SY%9FE^)M$6UMXSI<D(M5#(IC$C6Z$@%V;T)8<C).?K70Q
M^']#95DCTVU*LPE#",<GJ#].>G2G_P#"/Z.&5AIML&23S%(C'#=<_G_*@#&B
M\5Z':Q>=%83P!G !%NJ9#[L/G. I*'DX/'TJQJ=]IFG:_F?3&FN+BV7]^JJQ
M;YPBQ@$]27/H/6M.70M*GC6.73[=D4  %!C S@?3YCQ[FI;O2[&^(-U:13$(
M8P77)"D@D?F ?PH SCJVE#3HM5CM"[74PC55A'FO*"5VG/<$,.3Q@\UB6/BW
M2H3=W5GIESOGF2*-AC$P4HF!D_+LW_=Z<'%=8^EV$FGK8/:1&T4 +%M^48Z8
M]*KCP]HZ^;MTVV'FJ$<",#(&./\ QU?R'I0!AOXJT*:>3%@97>41R+Y"L\C<
M;,=CU'4\5J-J.CMHEOJ$UJJV?F@8DA'[EMVTEAT7!X)JU#H&D0$&+3K92I#
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MCK5^TO--N=+EO(],=+>&,NBFW4%XRN<H!U!';\,5=_L?30@06-N$!R%\L8'
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M+0!O4444 %%%% !1110 4444 %5=2_Y!=W_UP?\ ]!-6JJZE_P @J\_ZX/\
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MG!Q3(_%>DR6MG<[[F."\5WADEMG4%$7<SG(X4#G)J&S\%Z-8W*W,"W0N%A:
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M.>,=: -2BLK1O$FEZ_YITV=I5CP2QB90P)(#*2 &&0>1Z5JT %%%% !1110
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MOJ.HV?VC5+33-*$[:?:LRV]NP,DLK;(XPV[  "J3QQP">,TBZ[)<S2WT>E6
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M= &/_P )1H7_ $%+?]?\*/\ A*-"_P"@I;_K_A6QO?\ O'\Z-[_WC^= &/\
M\)1H7_04M_U_PH_X2C0O^@I;_K_A6QO?^\?SHWO_ 'C^= &/_P )1H7_ $%+
M?\S_ (4?\)1H7_04M_U_PK8WO_>/YT;W_O'\Z ,?_A*-"_Z"EO\ K_A1_P )
M1H7_ $%+?]?\*V-[_P!X_G1O?^\?SH Q_P#A*-"_Z"EO^9_PH_X2C0O^@I;_
M *_X5L;W_O'\Z-[_ -X_G0!C_P#"4:%_T%+?]?\ "C_A*-"_Z"EO^O\ A6QO
M?^\?SHWO_>/YT 8__"4:%_T%+?\ 7_"C_A*-"_Z"EO\ K_A6QO?^\?SHWO\
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MUCY.LQIJ]M)'=1A0;<J&BBPQ#$GJ?WG4Y^M:^DZ%8:'=7-RLP>XG51(\@1<
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M+Z5+X8ABMK&\@A.8X[^9%.<Y (Y^IZT ;5%%% !1110 51T3_D/Z]_UT@_\
M12U>JCHG_(?U[_KI!_Z*6@#>HHHH **** "BBB@ HHHH *JZE_R"[S_K@_\
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M+B9/DR00,],';W]32MX*TXPM )9UA)!"#9P=NT\[<\CMGCMBE7P7I8DR?,*
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M\,D[/+&(FC:5C'@>B9P#[XKFKCP587.@S:<NI7"1K-/(6CDQ&I>3S"KQ@[6
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MRPY?[N1Z;CUH Z2BBD=UC1G<A549)/84 +13(Y8YDWQ.KKG&5.13Z "BBB@
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MR#R* %JCHG_(?U[_ *Z0?^BEJ]5'1/\ D/Z]_P!=(/\ T4M &]1110 4444
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MR=\*[.[%N0<Y#*,=MO%;-CH=]8ZO'<G4)7MU8KY<EP[YC\M !AN,[PS9Z\T
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ME/M6EIFF:O-9ZM!?74CAXVMK7S6)R"OS.?4;V(!_NJ* *4O@6>>U;9JK0SL
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M\,MO=0RV[78F\B7<,@F/<&P>5 0\#KN_-+SPYXADEN!9ZL;<,[>7*;B1CMW
MH-IX&U04Z\[MW4"KNGV.L--JPDNIH8]AAL=[%MC,N6;G[P#<*3V!H L/H=XF
MA:?9P7P-S9NKB20,5? (VD YQ@\<]A6-+X$9XH@^H))<!D8M(K'?L6( 8W=
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MJNI?\@N\_P"N#_\ H)H SM+_ .0/8?\ 7M%_Z *MU4TK_D#V'_7M%_Z *MT
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M'7YJSSKGBC=*ITJ-3!-M.R-SYHVOC'IDA#GG&<&NNB;<F/G)4[267!)'>GT
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MC[%KW_/[IW_@,_\ \76Y10!A_8=>_P"?W3O_  &?_P"+H^Q:]_S^Z=_X#/\
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MTNO_  -F_P#BJ/\ A'].]+K_ ,#9O_BJ .DHKF_^$?T[TNO_  -F_P#BJ/\
MA'M.]+K_ ,#9O_BJ .DHKF_^$?T[TNO_  -F_P#BJ/\ A'].]+K_ ,#9O_BJ
M .DHKF_^$>T[TNO_  -F_P#BJ/\ A'].]+K_ ,#9O_BJ .DHKF_^$?T[TNO_
M  -F_P#BJ/\ A'M.]+K_ ,#9O_BJ .DHKF_^$?T[TNO_  -F_P#BJ/\ A'].
M]+K_ ,#9O_BJ .DHKF_^$>T[TNO_  -F_P#BJ/\ A'].]+K_ ,#9O_BJ .DH
MKF_^$?T[TNO_  -F_P#BJ/\ A'].]+K_ ,#9O_BJ .DHKF_^$>T[TNO_  -F
M_P#BJ/\ A'].]+K_ ,#9O_BJ .DHKF_^$?T[TNO_  -F_P#BJ/\ A'].]+K_
M ,#9O_BJ .DHKF_^$>T[TNO_  -F_P#BJ/\ A'].]+K_ ,#9O_BJ .DHKF_^
M$?T[TNO_  -F_P#BJ/\ A'M.]+K_ ,#9O_BJ .DHKF_^$?T[TNO_  -F_P#B
MJS=6T2RCFTI$-XJS7R1R 7LWS*4<X^]Z@?E0!VU%<Q_PC.D_\\KK_P #I_\
MXNC_ (1G2?\ GE=?^!T__P 70!T]%<Q_PC.D_P#/*Z_\#I__ (NC_A&=)_YY
M77_@=/\ _%T =/17,?\ ",Z3_P \KK_P.G_^+H_X1G2?^>5U_P"!T_\ \70!
MT]%<Q_PC.D_\\KK_ ,#I_P#XNC_A&=)_YY77_@=/_P#%T =/17,?\(SI/_/*
MZ_\  Z?_ .+H_P"$9TG_ )Y77_@=/_\ %T =/17,?\(SI/\ SRNO_ Z?_P"+
MH_X1G2?^>5U_X'3_ /Q= '3T5S'_  C.D_\ /*Z_\#I__BZ/^$9TG_GE=?\
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MVN/_  .G_P#BZ;X/M(;'6_$UK;AQ#'=P[0\C.1F!#U8D_K0!UM%%% !1110
M4444 %<_:_\ (PZW_O0?^BZZ"N?M?^1AUO\ WX/_ $70!H4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M"J6UW%!$SNV'1V(WG R.F<"@#L:*SM&U"34K22:1K9MLA4&WW[>G?> <UHT
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ME!B-K*2LI)QMPW*\D<]*J7>OZGI0N(M2M+3S_L4EW ;>1BAV8W(V1D=1R.M
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M$'H:EH **** "BBB@ HHHH **** "BLF'5IY?$LVEO9F*&.W\Y)78;I?FVY
M'1?KS5>RU?5+F]O[)K&U-S;Q"11'.2BL2<1NV/O8 ;CL: -ZBLS0=3EU:P>:
M6.-)(YWA(C)P=IQG!Y&?0\U7M_$*77B2738H@;:*!Y#<;OONK ,JCN!GKZT
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M=(ZYJRC3R>>)(A#ARL3!P^Y<<,?3Z>U9U_I-U?\ AN\TR>^$T\\;*)S$$'J
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M.*I^'/#VH:!?KNGAGMIK4)<%%V%95.0V,G<3N8$_2@#J**** "BBB@ HHHH
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M/9003Q-/-=WLLDQW@F$/ELD@8/09Q@9/%4M \/WME>(+Z*(6]M9R6BE7W?:
M\A?<1_",=CWH GNK;0+G0]21[]EL);MGNI(YL?O<C*@XZ9P,#-:&FV]K)96<
MMGJ%S<P1LS)(T^[?G(VMQR!Z=L5G1:9J6F:-J4.FVEJ;B2]>6T1V 2-#C#8Z
M C' ]<5=T6VNM.TRSM?L/E_.YG)N0[ G)+DX^8LW88QF@".:+1IAKF;[9YJJ
MNH.DVWR@%P.?X?EZU5@BT*+PX!%K%U]ABF7RYOM#;XG' 1>,C_=QWJ6#29]-
M?77L;&U9+D1FU@8@([!,'=Z#//O46GV6JVNAW"RV"2:A//YEP3=@--N&&=6
MPA X4=@.M "W.C>%Y/#D1N! =/5 ([MGRV&;/#]<LQ_4U)J<&A+JEK!>WKPR
M/Y9CLA,1')L/R93IP?ITK)OO"FKW7AFQLEN+426L1"VQ3Y=^_(;<"!N5>,XY
MY/>M'4M)U.;7(;RT 24B%7NUN2JA4)+J8NX()Q]?:@#I3UYHH/7BB@ HHHH
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M[06:8)8"/]^6.T#"GJ?]K'6M+3VM=4T^VF^QB".*7='%E2JLN0&!0D$<G&*
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M10 5D>&_^1E\5?\ 7W#_ .D\=:]9'AO_ )&7Q5_U]P_^D\= '3T444 %%%%
M!1110 5S]K_R,.M_[T'_ *+KH*Y^U_Y&'6_]Z#_T70!H4444 9^MV<6I:1<:
M?+<I;BX7:'8CC!!X!//2H[K3+/4M5L+V5X)TMHY$6!E5UDW8Y_#'ZU6\7Z<-
M1\-W:)9K<W*H/) 3<X.X9V^G%0W^E3KXAT4:6%L88(9PTL< 9(]VWC'09YH
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M7*T =!<>&X@]C(-2LU-M8K: 75LDJN <[P&88-:UWIPO+?35DND4VMQ%.&5
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M$,C'G/<DD\]Z70X-)7S9=,M[B+ "-YPE7(ZC ?\ I0!L4444 %%%% !1110
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M[W0KBX26'S!,1;7'V<@W$0_B6,GJ3D#G!ZU-)-X>NX=:+O#)$H5=18%MIPO
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M>9)O,B G: W\7 //<"LGPM>7MUJ;QF\F>5[.1[L2DL()Q*0GRG[OR]AC( H
MU5TK5;'2=3ATPVL=U<WCRV[-PL2-CG&/O #@=*MZ1:7>G:=9VGV:VC"LWG[9
MF<X.3N!(RS$\G..M84=V++PWK+ZIJ5ZZP:C(AFC;;+)@KA%Q]T'IQC K6\-W
MJ#1+%;C4([F:=W6,B0OD@D^6&_B*CC/?% "Q:7=V$VM3V$=HK70C^R1L,(I5
M<?, .F>>*@L-,U:ST.:W>&SDO)I2]P6G<_:0P^<EP 58]!@8  JO!+):R>*%
MU+5;GRH1&QN$&UHE,>3Y8Z#T%5=-O+>?PI<33ZK(EO)=?N@;ER8 0-L<L@Y
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M_P 50!=\ICUCS_P&E\MQT0CZ+5'_ (0_0_\ GTD_\"9?_BJ/^$/T/_GTD_\
M F7_ .*H O;'_N-Z]*01,,XC(SR<+UJE_P (?H?_ #Z2?^!,O_Q5'_"'Z'_S
MZ2?^!,O_ ,50!=\MO^>9_P"^:7RV_P">9_[YJC_PA^A_\^DG_@3+_P#%4?\
M"'Z'_P ^DG_@3+_\50!>\MO[A_[YH\MO^>9_[YJC_P (?H?_ #Z2?^!,O_Q5
M'_"'Z'_SZ2?^!,O_ ,50!>\M_P"X?^^:/+;^X?\ OFJ/_"'Z'_SZ2?\ @3+_
M /%4?\(?H?\ SZ2?^!,O_P 50!>\MO[A_P"^:/+;_GF?^^:H_P#"'Z'_ ,^D
MG_@3+_\ %4?\(?H?_/I)_P"!,O\ \50!=\ML8\O_ ,=H\ML8\LX]-M4O^$/T
M/_GTD_\  F7_ .*H_P"$/T/_ )])/_ F7_XJ@"]Y;?\ /,_]\T;'_N-QT^7I
M5'_A#]#_ .?23_P)E_\ BJ/^$/T/_GTD_P# F7_XJ@"]Y;YSL;/KBCRW_N-^
M54?^$/T/_GTD_P# F7_XJC_A#]#_ .?23_P)E_\ BJ +VQ\YV-^5((F P(R!
MZ!>*I?\ "'Z'_P ^DG_@3+_\51_PA^A_\^DG_@3+_P#%4 7O+?\ N'_OFCRW
M_N'_ +YJC_PA^A_\^DG_ ($R_P#Q5'_"'Z'_ ,^DG_@3+_\ %4 7MC_W&_*C
M8_\ <;\JH_\ "'Z'_P ^DG_@3+_\51_PA^A_\^DG_@3+_P#%4 7MC_W&_*C8
M_P#<;\JH_P#"'Z'_ ,^DG_@3+_\ %4?\(?H?_/I)_P"!,O\ \50!>V/_ '&_
M*C8_]QORJC_PA^A_\^DG_@3+_P#%4?\ "'Z'_P ^DG_@3+_\50!>V/\ W&_*
MC8_]QORJC_PA^A_\^DG_ ($R_P#Q5'_"'Z'_ ,^DG_@3+_\ %4 7MC_W&_*C
M8_\ <;\JH_\ "'Z'_P ^DG_@3+_\51_PA^A_\^DG_@3+_P#%4 7MC_W&_*C8
M_P#<;\JH_P#"'Z'_ ,^DG_@3+_\ %4?\(?H?_/I)_P"!,O\ \50!>V/_ '&_
M*C8_]QORJC_PA^A_\^DG_@3+_P#%4?\ "'Z'_P ^DG_@3+_\50!>V/\ W&_*
MLG6U87.BY4C_ (F2=1_TSDJQ_P (?H?_ #Z2?^!,O_Q59NIZ!INF7^B7%I Z
M2_V@JY:9VX*/V8D4 ;U%%% !15>_N39:==780.8(7D"DXSM!./TK%/B2>+0)
M=1GL0KAP($W%1."H8E<C/ W?7''6@#HJ*R#K7GWGDV7D^6MFMZ\\[$+L;.W
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M/HH .G3CZ48 & !@]1CK110 QX8I&C9T5C$VY,_PG&,C\#3^.< #/7 ZT44
M&!W _*C ]!^5%% !@>@_*DP,$;5P>HQP:6B@ HP,@X&1T..E%% !1110 444
M4 %%%% !61X;_P"1E\5?]?</_I/'6O5'0$1=6\0.% 9KQ-Q]<0QXH WJ***
M"BBB@!&954LQ  ZDFFB6-L8=3DX&#U--N8([JVD@FB26-U(9'7*GZBN"_P"$
M.U"*STJWAM+=6BM((C*CA?LLRR!GE'J6 QD<G&#P: /0<CU''6FF6->LB#!P
M<L.M<_KNAW=_K%G-;%1;3 07X+X/E*PD7 [G(*_1S7/1^#+V>REBN;"U$@%L
MK;G#"X=)M\DWL60D<\GH>* /0A)&S;0ZEL9P#SBG=*Y+3-)O-+\1:Q??V?OB
ME9I+=HS%RNQ %SC>.5(QG%:>OZ;-KN@I: 20/++ [[9-KQ@.K$@_WACCW% &
MSD>HI Z%=P92#W!KSF7P=KT=NHMWB86D4UO!')*2TR3-)YC%N@.&0\@\IVIJ
M>"M;MW0(T,B0L[R1AA''>*1%B(JHQ']P@D=2 3P2* /22RC&6 W=,GK0655+
M%@%'4D\5Q_C30-0UJ73WL8 WE12J<N@\MVV%2<@\#:<E?F':HFTG5WTJ*QN-
M*2>.VOWN9$-PI2[1GD.T ],;U;#?W: .UWKNV[ANQG&>U&]=P7<-QZ#/)KSF
MW\(ZO#HEY826L,E]+&?*U(S M&I50(@",D+C'/&!GJ:LP^&M6AU"PE-E#)/;
MRJ)+MY5990)"S2E2-R.P.?E/7@_*!0!WNY0P4L-QZ#/-(LB-G:ZG!P<&N/U[
MP_J5]XQL]1M8E,420#S&=0%*2,6!XW<JW&TC)Z\51T?0=8TK2]+4:9ON+*Y6
M255EB3S1Y3ID%0,X+#[W- '?[UW%=PW#J,]*"R@$D@ =23TKSV;POKDMU]JM
MH(;6\CG>8W+RAC/OF5EW ?\ /--PP>.,#@UN0Z3J(\$7]E>117.I723F1%8!
M'=RV#D\#C!]J .F#*0"&!!Z8-&Y=VW<-V,XSSBN$LO"^K0:WI]\B)#;J;9;B
MW\W(58X6 *XXR'8CW!]J=J_AG5;OQC-J%O$GDNJ@2,Z@ >4Z,.F_.6&!G;W-
M '<Y'J*0.C,55U+#J >E<)-HVNW=K81'3Q"4LDL92URIV8>-O,XZCY&&.O2M
M7PCI%YI,E\MW:[&DED<3 QD.#([#E1N/##[U '3&1!G+J,'!R>AI695&68 >
MI->9R>!]:N9(U5;6W>/>)IY-LRW3GS")60CG[P'/(W''05M:YX?O;_PKHUC#
M:N7M63S83,DC ")D^\X*L02.2/>@#L\_I2%U!4%@"W09ZUP\.D>(H-/O]-%K
M'OOHX(VNQ/E(P(DC<X)W'[K?7-0Q>&=5AC^SW-A;7PCMA:6DS3;1;JC.58 Y
M(RK(."3\G)QS0!WV0>A%('1AE64CV-<_X0TF_P!&TZ6UU'9-/E3]K#?-,-H&
M&'8KC:,<8 /<US4WA+6)M(C2TM8K"Z@GOYHT$PV/YI.T-M[%6*^Q /:@#T;(
MXY'/2@LJJ69@ .I)Z5R?A+0=3T6[F-_LG256,4F_+6X\QCY0'=2"&SUSD'H*
MS9?#.MO)J,]Q''<)J,BSR013!6B9)/D +95_DP"" #MP>N: .^+*J[BP"^I/
M%()$.,.IR,C!ZBN6GT&_O?!=CI4R017"30F58P"BHLH8X!R#\HZ=,\=*R]4\
M(:@]U-':00NIC7R;K<L9C41NK1[0!C<S9X&/F.>@H [_ "/6D#*20&!P<'!K
ME4BUH7FDWG]D.#;6\EM)']I3(W>7A^N"/E/O6';^%/$-M):W%@MO97<")%)*
MT@<3,%DWS$=RQ*#GGKZ"@#T8,I8J&!(&2,TM<)X;\.:II6HK+)9QQAH'\^7S
MU<L[!3B-L!@-P/#9 QQ7;6H=;2%9 X<1J&#MN;..<GN?>@"6BBB@ HHHH *Y
M'QAJVH:1;M?VEV%6WEC5K0J,W ;JJG!(;O\ A775GW>BV5[>Q7<R,9X3NC8-
M]PXQD#UQWH S_!U_=ZEH:W5Y>QW<DIWAXU 5 0#LXZE>A)[UT%4M-TJSTF*6
M.RA$2RR&5P.['J:NT %%%% !6)XCCG9=,FAMI;@6]\DLB1 %@NUQD D9Y(K;
MHH Y_P#M1_\ H$ZI_P!^!_\ %4?VH_\ T"=4_P"_ _\ BJZ"B@#G);\3PO%+
MHVIO&ZE75K<88'@@_-2"\0&+&BZD/)79'_HX^08Q@?-Z 5TE% ')&+3S!'#_
M ,([J CC0QHJV^,(>2O#?=/ITJ19+:.X6XCT'45F2-8U=;<#"KT7[W09-=31
M0!S_ /:C_P#0)U3_ +\#_P"*H_M1_P#H$ZI_WX'_ ,57044 <_\ VH__ $"=
M4_[\#_XJC^U'_P"@3JG_ 'X'_P 57044 <__ &JX.?[)U3_P''_Q516]Y':P
M^5;Z)J44>2VU;< 9)R3][N2:Z6B@#G_[4?\ Z!.J?^ X_P#BJKK+:I*TJ^'[
M]9&!#,+1><]?XN_?UKJ** .=CU 0Q)%%HVII&@"JJVP 4#L/FIW]J/\ ] G5
M/^_ _P#BJZ"B@#G_ .U'_P"@3JG_ 'X'_P 51_:C_P#0)U3_ +\#_P"*KH**
M .9N;F&]B\J[T+4)X\AMDEJK#/KC=4D>H>5&L<>C:FD:#"JMN  /0?-7144
M<_\ VH__ $"=4_[\#_XJC^U'_P"@3JG_ 'X'_P 56I=:K8V,HBN;E(Y"H8*>
MI!8*,>O) JF/%.C-:K<K=EH6D$2,(7.]B"<+\OS<*3QGI0!7_M1_^@3JG_?@
M?_%4?VH__0)U3_OP/_BJOVFO:9?7SV5O=J]RF<QE2I^7&[&1SC(SCIFH_P#A
M)-(_M"2P-WBYB=4=#&PPS-M49QCD\#UH J?VH_\ T"=4_P"_ _\ BJ/[4?\
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MIH2 QATZ:1.0#PRJ0>O:ETGQYH^M:E%86L6IK-)G:9]/FB3@9Y9E '2NGHH
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M9PP7UU.7E7;;P%L>6P5C],D?6@";0?%^F>([J6WL8[]7B3>WVFREA&,XX+J
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MJL QOHU)&2HCZ4 :=%9GV35/^@@G_?NC[)JG_003_OW0!IT5F?9-4_Z""?\
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M%BV2E V7;R8H]W/J8R?QH [&O./$/@'5-3\0WE[:7$$=M(ZF)6=@0)5$=SD
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M_O\ _P#UJ/[/'_/[??\ ?_\ ^M5RB@"G_9X_Y_;[_O\ _P#UJ/[/'_/[??\
M?_\ ^M5RB@"G_9X_Y_;[_O\ _P#UJ9-8E+>5EOKX,L;,#Y_< ^U7ZCN/^/2?
M_KD__H)H ;9NTEC;2.<N\2,Q]25&:FJO8?\ (-M/^N"?^@BK% !17.^)?'7A
M[PA-;PZW>O;R7"%X@L+/D X/0<5A?\+J\!?]!>;_ , Y/\* ._HK@/\ A=7@
M+_H+S?\ @')_A1_PNKP%_P!!>;_P#D_PH [^BN$M_C%X&N[J*VAU69I97$:
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MD;DZBNDEBCGB:*:-)(V^\KKD'\*%BC0Y6-%([A0/\]!^5 &1>26ME=Z5I(L
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MHX(EBBC6.-!A408 'L*?0 4444 9FN_\@\?]=%K2'05FZ[_R#Q_UT6M(=!0
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M_P"V4?V+\0/^APTS_P $_P#]LH [.BN,_L7Q_P#]#AIG_@G_ /ME']B^/_\
MH<--_P#!/_\ ;* .SHKC/[%^('_0X:9_X)__ +91_8OQ _Z'#3/_  3_ /VR
M@#LZ*XS^Q?'_ /T.&F?^"?\ ^V4?V+X__P"APTW_ ,$__P!LH [.BN,_L7Q_
M_P!#AIG_ ()__ME']B^/_P#H<-,_\$__ -LH [.BN,_L7Q__ -#AIG_@G_\
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M;_XJ@"TL>Q%1$VJH"J . !T%+M;^Z?RJI_PBFC_\\;C_ ,"YO_BJ/^$4T?\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M#=>5;V*;5B$*D,V N_V8#.#[UGVG@2VMFMY3?7#W%O,9XI"!PY" DCOPG?\
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M:0S2RV5TJ*X6-BT86;YS&Q5BV %<$<D9XQG-=797<=_86]Y$KK'/&LJB1=K
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MVK4K+T7[MW_UW:@#4HHHH **** ,S7?^0>/^NBUI#H*S==_Y!X_ZZ+6D.@H
M7M6!HO@_2]%M[9(UDFF@<2">61BQ8(R#OP &8!1P,UOUC:!K5SJ[7RW%B+8V
ML_E!DE\Q'XR0&P.1T(&0#QDT 4KGP)HTY4(DT*>?YSB.9P6&UQL!SE4_>,<+
M@<GUJ<^"]!\FYA6S9([@!65)G 50<[5&?E4G)(& 2>:WZY__ (2&XM[V_BO+
M-3';S)!"+9C)),S*& VD #Y3Z]C0!)!X0T2WENI(K/:;FW:VD'F-@QD %0,\
M9"CIZ59AT#3;?5_[4C@/VP1>2'+L0J8 P 3@?='Y5)-J]K#HXU3+/;,BR*5'
M)#8QUQZCK69'XSTN6(RHEVT>P.C"$_O"0IVKZMAUH T%T.Q77GUI1,+UXQ$[
M"9]K*,X!3.WC)[=Z34M T[5IEFO(6=Q$\!VR,H:-NJL >1P#ST(JJ/%EB3)M
M@O#Y2!I"(?N,6*A#S]XL",#O1)XNTN&+?,TT6$+E7C(8!=^[(_V2C ^^/44
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M5]>06T45T&ERNYHL*C@$E&/9L GT]Z -JBLG4/$5AI>H16=TSH\D;2!@N5
M9N>_13VJO8^*K:ZF\B:WN+:9YS%%%(GS/TYQVQG)]!S0!O45B1^)K7-DDT4L
M<EY/)#&NW[I1BIW'H#[#-,B\66,[PQPV]Z\D[@1H(>64C<'Z_=(YS[=* -ZB
MJ&FZO::LLC6A=A&0'++C#'^'ZCN.U9*^-+)-/GNKNWN(3 QW)M!W+N=0RG(R
M/D;W_2@#I:*P9/%5F;749;>.:0V(4N"N,@C(([X]\?3-7K;6+:ZU:ZTV,2">
MU ,FY< Y].YZ]<8H T**** "BBB@"I<Z;:7=U#<SPB26%)(T))P%< ,,=#G
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MKBX%C"7G3RW!0$;,8V@=@>] & NM:'JVH0W;Z-/+<%2GF%5.& E 3&[DD+(
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M[OPQJ7FZ>=#:[*,L4<:!1OWLQX.X8&Y6SD]_>MC0[O1=8EOEM--5 DA+N\(
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M:R-<!59U+D?,@,8&#^\PS=?0]*V_%^H76G6]I);W+1*92'5$R\G'"J2I7/\
MLG&[H"* *5QXQF+W$$>F12M&SC:\V-JIYA(<;3M8^62!SD,*OZWK;66G->K:
M2?9X&C:X\R+(DC<=%/<@E<_2J%WXCU"P;4A)%:N\=YL0&)UV1^7N7=C.2Q&T
M$=S^%-U#Q/JJO*MK8AI(;A%^R*I\TICDL2-H!ZC'.!QDT $OBK48[&^B^SVK
M7UE 79G8X#*RJY=0,J#N)7DY -:-UK5Q:S712""=%MX)(!&_RNTCE<EL=,X/
M&>*V+2ZMKM3Y;QO(8T>3:".&&1UYP>>M<K?:]?:;K>II'NNXX(=T5LD>U8P-
MG+94'N3N#$$9'!% %O3O%'V_6;:QDL8(FF5T;,N7RH)) V\ID$9SU[4M_K4M
MAKUS"9TBAM;<2162Q O=?*[-M/48V@<<>O45%I,UUJFI-J1TZTAF2T4^<Q=B
MS,&QM[8^49[X/7U9#XEU 7FGVSV 9I; 3O+)D,6*,QQ@= 5 /'\0_$ 6#Q==
M7$JI%IT$V&"-)'<95V)8+L.WD9').,<T)XPC>32O(TH^1>NQB=F"X7<$R 1]
M[))QZ#WJ[8:O=WW@Z;48;5%O4BEV1(AVEUSC'J,^G6K.B7MO-8VY;46O3+(R
MPS31!&8A<D#  ..><>W:@"E%K=\8M%N)+6QM8=0G_>!I22JF,LO.T#>2,?\
MZZRM;U4F*W-_9VLZ1WLZ-$[E PC&5"$#YF/92.36YX@UN72[S3[:&"&7[1N;
M8^=S;60;4 'WOFSSQQ6=8>)-2U9O*@L;<.;SRUDE5PH3RR^XCKG(V]N3VZ4
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M65A!$$%XK[9E;<8_]9M;!&"#Y>?Q%1:=K-Y<:M:"=I1 UL'>*:  B/R@QD)
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M1N><=.]8.E^(];NG@%S9>5N9P!]FD_?XZ '.$P.<G(-;NEO>GPS;/*3]N^S
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MU&#110 4444 -DC26-HY%#HX*LK#((/4&E "J%4  #  [4M% !1110 4444
M%%%% !1110 4444 %%%% !1110 5EZ+]V[_Z[M6I67HOW;O_ *[M0!J4444
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M%%% $<=O##)))%#&CR'+LJ@%CZGUJ2BB@ HHHH **** "BBB@ HHHH ****
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M:\L5:=97+.'=5<-D_-N#'.?6O1JY^R\$>'-/NX;JVTQ5E@;=%ND=EC/8JI)
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M_L,NEW+<":3;(!OXP<DG@<+T_7H0#>HIL>[RUW@!\#=@YYIU !1110 4444
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M6LX"S10(C -GD  U?H R/#4-[;Z+'!J#7+W4;LKO<,K,W)P01U&.G>M>BB@
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MW?!)!&,@;AQR2,U0U[0+W4M32YM)H+?]SY3S%FW@?-QMZ'KP>"IR03G%0_\
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MAF^N+S4'>\417+@Y620,Z^8C;6YP-JJRC'4-S6QJ.GR2Z%+86#)"Q0)'O)P
M"./7ID?XT 8$'A?5(I"3?@JU@UL09W)W'.,' P!GK^E;.GZ=?6GA@:>\\1O%
MA=$D^8J"<[<]"<9'3'3C%8-OX4U"SM&DGO9)YE@>(B&1MQ780JKD@9#8/;I6
M_8V-_'X:%M/.IU*2%C)*<E1,P)/0YV@GC'84 86F^'-3TV[TV:XU&'9!+("K
M2L05?HB@@9/OQ]#5S6]"N]9U6RU"QU$11VZX"B1\%@V<X4X/3'-9UIX1U*V>
MSDN;F*Y2VG,P3>Y,8!8[4' );..0,8&*FA\.:G<6.EXG-KY*$%'=M\.7W9&T
MX+;?E()X!H CM?#FLV@LK:2[9P]VSSM%(VQ8-JEEYP02Z#'LS?6M7Q-IE_J<
MVGQV9VJK2&20RL@C^7Y6^7J0>0.E06/AR^9[1]4N4E$$I<I'))@XC1%/.,G*
M%N>[5G3^"+^2T@@34RNQUE8^;)\S[ &/7/)!- %^[\+73Z>T=O= W$ES)-,T
MDT@$@._9R#D;-RD <?+69_PBVM7=O=#[>(F-PVX?:&S, S[68\[#AE( ]!T[
M64\':DT%S%<ZHTOFS-(&\QQD[) K$#&""RG'/W![5N:+I#Z5=:B["$K=S+-O
M4G<S;0&W \=1G(]: *,V@JUKJJ27B-=7K")'ED8A1M7"X)QG*D\#O5NTL;L>
M*;ZZ=Y18A%\F-CP9& WD<],*N/<M5&^\)_;+^^?$ @NKF*X8[F#DHFW!Q^!!
M!JJ?".J27,SS:JSQRPQ1G]ZX)V^7N&!V^1CG.?G/O0!>U30=0O-1NYX9X@LT
M:JA:612H&,QX7C:V#ENHW&L6Z\*:C]OM_P#B>K;W#V[10QB=\CAN%!/S !@,
MD9K2O_"E_+JDL]I?^7:F!8HH&D<!0  8SC^%L<G.1GI5W3?#SVE[97MPT4EQ
M;VDD ;+';N<, "?X0/EYYZ4 7M!L)],TB*UN)?,D0L?OE@H))"@D#@#CI6E3
M(O,\E/."B3:-^SIGOCVI] !1110 4444 %%%% !1110 4444 %%%% !1110
M5EZ+]V[_ .N[5J5EZ+]V[_Z[M0!J4444 %%%9NM7=]96:R:?:_:)2X!7:3Q@
M]AZG SVSD\"@!-=_Y!X_ZZ+6D/NCZ5S37E_>Z([W]MY$BSJ%&QDR, GAN>"2
M,]#C(KI1T% "T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 45GW^MZ;I<HBO;M(9&C,BJP.64,%
MX]3EE&!SR*M"ZMRP43Q;BYCQO&=PZK]?:@":BBB@ HJG?ZM8:8]LE[=) UU(
M8H0_\;;2V![X!J2TOK6^B26UN(Y5>-95VGG8PRIQU (H L4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !67HOW;O_KNU
M:E9>B_=N_P#KNU &I1110 50U:'3IK5!J<B1P+*K*7F\L%AT&<C/?BK]9FMW
M=M:6D3W-LEP&F4()"H56Y(8LW"].OX=Z *%PMDFD.NGF V_VA<&&7>"<#.?0
M^U=".@KFGOH[[29WCC$82Y5"J%63.!]UEX8?R.1VKI1T% "T45AVGBK3KR-7
MB2Y ,L<6&A((\S[C'_9/K0!N453?5M.C25WO[95B?RY"91\C>A]#2MJNGHL[
M-?6X6W($Q,H_=YZ9]* +=%07-Y;VEE)>2R*($3>7R,8J,ZI8+))&]Y DL4?F
M21M( T:^K#/ Y'YT 6Z*S+7Q!IEX@DAND,?DF8N2 H0,5W$^F0>?:I7UK3$C
M61K^VVM$9E(D!W(!DL/4<'\J +U%4H-6T^YCM7BO(6%VN^ ;P#(/8=ZEGO8+
M>XM[>1P);AB(U[G R3].* +%%4-*U>TUFVDN;)R\"2M$)",!BIP2/;-2-JFG
MIY>Z^MQYI58\RCYBW0#USVH MT5''<0S$B*:-R!DA6!P,D?S!_(U2N=<L+=)
M6$ZS>3*L4RPD.T18X&X#IS0!HT53FU?3;=IEGO[:-H<&4/*HV9Z9YXIU[J-G
MI^G2:A=7"1VD:[VE)RN.QH M457CO[2:X^SQ74+S;!)Y:N"VT]#CTIEQJ=C:
MR21SW<,<D<9E9"XW! ,EL=<4 6Z*SK?7M+NI[>&"]B>2XM_M,2@_>C_O5)'J
M^FRO"D>H6KM-GRE6527QUQSS0!=HJG8ZI9ZF;C['.DRP2>6[(<KNP#@'OP15
M6+Q-HTSP+'?PGSY)(HVW8!=" RY/?)''>@#6HJBNL6!B:5KJ)(Q,8 [N &<<
M8![U-=WUII\0EO;J&VC)VAYI @)],F@"Q151M5T]5F9KZW"P8\TF4?)GIGTS
M4!U[2P;T"\B9K)0UP WW 1D?F"* -*BJ3:OIT;2))?6\;Q1B21'E 9%..2,\
M=1^=6H9HKB%)H9$DB<;E=&!##U!% #Z*** ,O5]#M]8NM+N)L!].NQ=1Y0')
M"LN/;KG\!7-:;\-K?3-5MK^'4',D%TT^\QY=U.?D)+$=^3C)P.E=/KNL1Z'I
M3WKP23L'2*.&/ :21V"*N3P,EAR>E9UEXDOCK-KINK:'+I[W:N;>07"3*S(,
MLIV\@XY_"@#HZ*** ,+Q-X8@\30013W#PB R,C(!D,R%0P/8J2&'TK/\.>!H
MO#VJ"]6^><K 8E!B"L20@8LPY8?NQM'\.36UKVLKH>G"Y-O)<RR31P0P1D R
M2.P51D\#D]35&P\1WKZS;Z9JVBR:=+=1N]N_VA)E?9C<#MY!P0>>O- '0T44
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M67HOW;O_ *[M6I67HOW;O_KNU &I1110 50U:YDM;16C@@FWR*C+/,(E /?)
M!SSCBK]4=5TJ#5[98+AI%56W QM@]".X/8F@#+N)?-TB0E+=&6X"LEO/YBJ1
MCCH,'VQ_.NA'W1]*P;K3HM*T&.T@>1XDD4+YA&0/3@"MX?='TH 6L>T\-V%C
MI=O8VR"-(98Y2Z* TC(006XY)QS6Q10!R<G@.Q:UNK=+NXC2YD+-MQG:=_RD
MXY&9&//M^,DO@BSDBND-U.!.\<@ "X5DSAL8P2<\UU%% %(Z;#_8ITL$K!]G
M^S@C&0NW;].E9]QX5LYY))/-E21SG< .#MC /3G'E*<'WK=HH P!X4MOL2V[
MW,S,(6B\S"@Y,@DW8QC[PZ=,<4U_"D,^HVMY<7UQ*\";=I"JK$AP3@#C/F'I
MZ#\>AHH YY/"5M]LTVZEN999K&-8E+*OSJI)3(Q@$9ZCK6Q<V4=U/:3.6#6T
MIE3'<[2O/X,:LT4 5K"RCTZS6VB9F569LMU^9BQ_G7/6W@R)8/WUPT<C32NX
MBP5\MV!$8W#( "* 1@CFNJHH RM)T./2KFZF2XEE\_ 57 Q&H9FP,#GEVY/M
M5&W\*(#>M<W3NUQ*S*$4*(T,QEQTY.<9)KHZ* .=?PA:2ZU+J<MS/([ON"-M
M*KR#CITR*T9-'@D\/_V.7D$(MQ '&-P & ?3/%:-% &/:^'X[?5_[1:ZEEDP
M6*E5 ,A559N!GD(..@IESX:M[O7AJLMS.6"%!%D;1E"AQQZ'\ZVZ* ,0>&T,
M4$<MY-(J6CV4F54>;$W0' X(XY%5+3P3I]K$J>;*Y!7+849VMGL/PKIJ* ,S
M1=&318)8DGDF\QPQ9U48"HJ < =E%4Y/"MM,C1R7$S1[Y6C7"_NQ(RNP!QS\
MR\?6M^B@#"O_  M;7UNT1N)8RUV;K>@&Y6(P=IQQ]?YU8UW0+7Q!:Q6]T[JL
M3[QMQUP1W!]:U:* .3_X0'3A#<1K/,/,='1B 2C*2WX@DG@UIP^'H;>&Z@CG
MD%O<VRV[1[5^7:FP,#CKMQQTK9HH YS4/"L<JO/:2D7@<21M)C:& C SP?\
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M7BH@:=!DKG[0N!*0(B<'_69(^7^N* ,VS\J7PX]U!9?8XYKD%8ED#+A?DW#
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MCR_]_P#[Z- &C16=Y?\ O_\ ?1H,8'7=_P!]&@#1K+T7[MW_ -=VIVP>K?\
M?1IFA_ZNZ_Z[&@#5HHHH *Q/$[N+"!(V8O).%$(8J)N#\I8$;1WSGMCO6W4<
MT$-S$8IXDEC/5'4,#^!H Y*V=SHL\;NRM'>!3 6+B'Y0=H8D[AWZ]\<5T/:J
MVL6\-KI<<5O%'%&)1A8U"@=>PJS0 5G(+JYNKP+?/"D4WEHB1(>-BGJ1GJ36
MC5*Q_P"/G4?^OK_VFE "_9+O_H*3?]^8_P#"C[)=_P#04F_[\1_X5<HH I_9
M+O\ Z"DW_?F/_"C[)=_]!2;_ +\Q_P"%7** *?V2[_Z"DW_?F/\ PH^R7?\
MT%)O^_,?^%7** *?V2[_ .@I-_WYC_PH^R7?_04F_P"_,?\ A5RB@"G]DN_^
M@I-_WXC_ ,*/LEW_ -!2;_OS'_A5RB@"G]DN_P#H*3?]^8_\*/LEW_T%)O\
MOS'_ (5<HH I_9+O_H*3?]^8_P#"C[)=_P#04F_[\Q_X5<HH I_9+O\ Z"DW
M_?F/_"C[)=_]!2;_ +\Q_P"%7** *?V2[_Z"DW_?F/\ PH^R7?\ T%)O^_,?
M^%7** *?V2[_ .@I-_WYC_PH^R7?_04F_P"_,?\ A5RB@#+U!+VUTZXN(]3D
M+QH64-!'C^563:78)']J3=?^>,?^%,UG_D"WO_7$U?;[Q^M %+[)=_\ 04F_
M[\Q_X4?9+O\ Z"DW_?F/_"KE% %/[)=_]!2;_OQ'_A2_9+O/_(4F_P"_,?\
MA5NE'44 4].EEEL]TTGF2+)(A?:%W!7(!P..@JW5+2O^/-_^OB;_ -&-5V@
MHHHH **** "BBB@ HHHH **** "BBB@#/_TJXO[N-+QX8X2@54B1NJY.214G
MV2[_ .@I-_WYC_PHM?\ D):C_OQ?^@"KE %/[)=_]!2;_OS'_A1]DN_^@I-_
MWYC_ ,*N44 4_LEW_P!!2;_OS'_A1]DN_P#H*3?]^8_\*N44 4_LEW_T%)O^
M_,?^%'V2[_Z"DW_?F/\ PJY10!3^R7?_ $%)O^_,?^%'V2[_ .@I-_WYC_PJ
MY10!3^R7?_04F_[\Q_X4?9+O_H*3?]^8_P#"KE% %/[)=_\ 04F_[\Q_X4?9
M+O\ Z"DW_?F/_"KE% %/[)=_]!2;_OS'_A1]DN_^@I-_WYC_ ,*N44 4_LEW
M_P!!2;_OS'_A1]DN_P#H*3?]^8_\*N44 4_LEW_T%)O^_,?^%'V2[_Z"DW_?
MF/\ PJY10!3^R7?_ $%)O^_,?^%0WD5[;V-Q.FIREHXF=<P1XR 3Z5I55U+_
M )!-[_U[R?\ H)H 8EM=M&C'4YLE0?\ 41^GTI?LEW_T%)O^_,?^%68O]1'_
M +@_E3Z *?V2[_Z"DW_?F/\ PH^R7?\ T%)O^_,?^%7** *?V2Z_Z"DW_?F/
M_"ET^25X9A-+YKQSO&'VA<@'C@<5;JGIWW;O_K[E_F* +E%%% !1110 4444
M <).6A\:^:BW%Q,U\@\IEE21$P 2C#*-%CD@X[TS3AJD5MH$EPX^QIJ4S%0C
M^:%'F'+DG&WTX]*W;O4=4N-3U*WLKRTLX=.CC9S<Q[A*6&[+'(VH!QD4V]UV
M]@_X2(QO%_H%C%<0$#(W,A)R>XR.* ,?1;C5(]4EO;RUNXX-9BF*[VRJ, 3&
M HY3Y..<<U1T>SO;2"UDG1X!/I,IC:'S"9Y"GW9=Q^5QU&!S6YJ>OZM9W:R;
MXXK%(87DE\CS4W-@L)2IW1]>#@T[5O$6H6@UGR'0?9KNUAB;RMY"R ;CC^(\
M\4 8^D)"?#UVB2E;IM/ <V<$_P!H7IN)WG#'U P>N*V/!C8;4(8XP8%,96>+
MS%B<X.0JR<JW3...:TM(U+4I;"^GU%&*02'R))(S;F5 N<E3G;SD9_&J'A7Q
M+=:_=7"SB 1QQ*ZA'!;+,2,_1=H^OUH ZCO46B?ZNZ_Z[&I>]1:)_J[K_KL:
M -6BBB@ HHHH R]?_P"/!?\ KJO]:DJ/7_\ CP3_ *ZK_6I* "J=C_Q\ZC_U
M\_\ M-*N5QVNZ=9W/BB.W&K>(K2YND5VCTZ[$477:'*GDGCG;G  )Q0!V-%<
M =%TE;=KB;QQXFAA69X=\FJ8RR_>_AZ#WZ=Z>NA:0XG*>//$C>1CS=NJ$[>=
MO]WGGCC/- '>45P$>C:/+<20)XY\3DQP)<,_]I'9L<D*=VW':II/#FF13I!)
MXY\2+,[,BI_:AR2IVL/N]CP?0T =S17%V7A.RU)6:R\:^)IU5MK%-4)P>W\/
MZ]ZR+BSTZUL[>ZD\2^-?*G$SKC45R$B(#,<]N> .3Z4 >ET5YU<:580:9;W_
M /PE/C!XI[AK:-1J:H2X+ YW8 'R'J?2DNM,TVSEN(IO%?C(26]LERX&H9&&
M(&T'&-PW*3S@!@<XH ]&HKSFUTJTN]1BL4\1^,EF>-9#OU1 %#%@._S?</*Y
M&,58E\/VT6MII(\3>,I+ED#DIJ(PH.<=0"?NG) ('&<4 =]17FUKIUG>+:F+
M7_'&Z<%RAOUW1H'V;F]BV< 9/!..*ETW2M-U:&:6T\6>,&$,32R*=0P1M9E*
MXQURA_ @]Z /1**\XFTW3XT@:'Q1XRNO.$/^HU('9YK;5#9Q@YZCM2SZ7:6M
M_<6MUXB\:P+;R11R7$FI*(QYK;4.>N">^.,4 >C45YH+33FCEF3Q+XU>"*TD
MO#,NH J8T8H<=R<@X'?BK!TC33HMYJT?B[Q=):6OWV74>6^56XR/1AUQWH ]
M#HKS2"STVY>-8O$WC5@76*1QJ *PNSE$#$<'<RD KD5-!I5C<P">'Q-XU:+[
M2EH[&_V^7*QP5((ZJ<!L=">] 'HM%<G_ ,((/^AL\5_^#,__ !-'_""#_H;/
M%?\ X,S_ /$T ;^L_P#($O?^N)J\WWC]:Y%_ $<R&)_%/BED<;65M2X(_P"^
M:P[6TT>X!,_C#Q?9Y3S$-UJ&T2)DKO4@'C(.<XQQF@#TFBN 31=)87A/C?Q2
M@LYO(F+Z@P ? ( ^7YNO:M&+P3%-$DL7B_Q1)&ZAD==4R&!Z$';0!UU*.HKD
MO^$$'_0V>*__  9G_P")H_X04?\ 0V>*_P#P9?\ V- &_I?_ !YO_P!?$W_H
MQJNU2TG34TC38[)+FZN50L?.NI-\C%B2<M@9Y-7: "BBB@ IDDT41C$DB(9&
MV(&.-S>@]33ZY_4(]1O]=T^$Z>4M;.]6X%UY@*,@0C&.H;)QC% &O_:-C]M^
MQ?;+?[7_ ,\/,&_\NM-.J:>+O[(;^V%SNV^290&SZ8]:Y/\ L74/[/\ [(_L
MO_2/[0^T_P!J;DV[?,W[\_>W8^7&/TJ+4-#U2;4]2\JSN'6?44N(L^5Y#J-O
M+G[XZ'@>@H [J21(EW2.J+D+EC@9)P!^)HCD2:-9(G5T895E.0:YWQCIM_J<
M%JMA'YAC=Y&'F,O(7Y>A'\6/I6OI%DVFZ/:63E2T$00E"2#CTSS0!=HHHH *
M*** *=K_ ,A+4?\ ?B_] %7*X_Q7IUFFHPW<NK>(;66[_=K!IEV(D8HO7!P-
MV.V<GL*IMH&FQ_:C+XU\41+;2+%(SZD1\Y&0 -N<X]J .\HK@ET31GD\M?'W
MB%F\OS<#5<_)M#9^[_=(/T-,71]'>YCMT\<^*&:2%YE8:BVW:APV3MX(/8^A
MH ] HKA9?#^E0R)')X[\2+(Y"JG]J$DG /0+Z,I^A%2VOA6QOFE6T\;>)IS$
M<.$U3.W_ ,=Z<'GIP: .UHKAI/#-K'::A='Q9XN,-AO\YEU'.2B[F"\<XZ?6
MH9-%TF."XE_X3CQ.QMTWRHNI_,H_[YQU.#S@'KB@#OZ*X2XT#2[6:2";QSXF
M6>.,RM%_:9+!0N[H%Z[03CVI#X?L?[$75T\7>+I+5T5DVWYW/N("@ KU)(%
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M3^ZOY4 8G]J6G]Y_^^#1_:EI_>?_ +X-;>Q/[J_E1L3^ZOY4 8O]J6G]Y_\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
:%%% !1110 4444 %%%% !1110 4444 ?_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>gbzq35mlzuyy000002.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 gbzq35mlzuyy000002.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  M ($# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$!
M 0$! 0        $" P0%!@<("0H+_\0 M1$  @$"! 0#! <%! 0  0)W  $"
M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,!  (1 Q$ /P#W^BFNZQHS
MNP5%&69C@ >IKF&\0ZCKDKP>&+:-H5.U]3NP1 #T(C4<R$>O ]S0!TTLL<$;
M232)'&HR6=@ /QK!F\;Z"DIA@NWO9@<;+.%IOU4$?K44/@RTGE6YURYGUBYX
M)^TG]RI_V8A\H'YU:\0:DGAK0C)8V<;7,LB6UI;H H>9SM4'';)R?8&@#$U#
MXBBQFA@'AO5VGG_U4+HB22<@?*FXL>O7&*S+WQ;XRFERWA^\T:RQN,RVPO90
M/=58 <=N:Z&#2[?PCHFI:[=O]MU9;9Y[N]E W2E5SM']U.,!1P.*O>$==;Q+
MX4T_5I(XXIKB/,L<;;E5P2& /U!H PM$TRT\26 O(?&.LWR!BLGES^1M;NK(
MJ@J1Z'I5T^!+=?F@U[Q!"XZ,NHN?T;(-.\164>D7\'BBS AFBD2*_"C N+=F
M"G<.[(2&!ZX!'>NIH XNX?Q1X2A-V]R?$&DQ#=.CH$NXU'5EV_+)CK@X/I77
M6=W!?V4%Y:RB6WGC62-UZ,I&0?RK+\3ZTNC:2QC7SKZX_<V=NOWI93P!CT&<
MD]A4OAK23H7AG3=*9P[VMNL;L.A8#G'MG- &K1110 4444 %%%% !1110!QT
MP?QGKMU9,2N@:;*(YMK$?;)QR4./X%X!'<\5UT44<$2111K'&@"JB# 4#H .
MPKE_ ?E6VF7^E[=EY9:A<+<J1@L7D9U?W#*RD'\.U=70 5E>(-&_MO3XXH[C
M[/=6\R7-M-L#B.5#E25/4=B..">1UK5HH \W\;7_ (J/A&\TV^T*U<7FRU-U
M97N5/F.J8$;A6R<XQDUJ0>(-1TJV,%M\/]3AA4L0ELUO@L3DG <=3DYJ_P"-
MA_Q+--8_<35K)GX[>>H_F172T >>>(O&D,_AG4;?5/#VN:='+ Z&6YM 8D)X
M!9U+!1G')JAK?Q4NFOY=.T/2;L1J2O\ :4UJTL;#L\:I]\'J#GD8KHOB#K5M
MI-CI<=W,D<$^H1M,6/\ RRBS,W_HL#WW8[U<\ VES9^"-,CNHVBE=7F,3#!B
M$CLZICMM# 8]J .0T36+'3[Q]5FTGQ7K6JN-IO)[#:%!_AC7("#IP.?>M34?
MBM8Z1@ZEH&MVB-]QIH$7?] 6YJ[K%UK6M>+I/#>FZ@NEVEO:)<W5RBAKB3>S
M +'GA1\IRV*OZ5X'T+2KG[8+9KR_/)O+Z0SRG_@3=/PQ0!KZ5J,>K:5:ZA#%
M/%'<QB18YTV.H/9AV-7*** "BBB@ HHHH **** ,+6= DN[U-5TNZ^PZQ%'Y
M:S%-\<R9SY<J\;ESG!X(SD&J2^+KK328O$>BW=EMX-W;(;BV;WRHW*/]Y175
M44 8UIXN\.WV?LVN:>Y!P5^T*&'X$YK26^M&&5NH"/42"H+K1M+OL_:]-L[C
M/4RP*V?S%9LG@;PK)G=X?T_!&"! !_*@"7Q%%I^L:!>Z=+J,%OYT>%F\T#RG
M'*-U[, ?PK.\(>.K#Q(\FF2S0Q:Y:+B[M4D#J<8!>-APR$D8(Y&>0*L1_#_P
MA$VY?#FFYSGF 'G\:V+33-/TT*MC86UL"-O[F)4XZ]A[4 4M;\+:1XBN].N-
M5M1<G3Y3- C$[-Q&/F7HW0'GTK9HHH Y_P 0^'9M3N;;4]+OSI^L6BLD-QY>
M]'1L9CD7C<I(!Z@@\BL]=?\ %FF?)J_A;[8J];G2+@.&_P"V;[6!]N?K7844
M <B/B'IJ9^U:7KMGCKY^FR#'MP#4O_"QO"P7+ZB\8.,;[:5<Y]/EKJ:1E5AA
M@"/0B@#GT\=>%I,8URS&?[S[?YU=A\2:%<$"+6;!R>@%RF3^&:M-IM@YRUE;
M-GUB4_TJC<>$_#UT6,VB6#,W5O(4'\P,T :L<L<H)CD1\==K XI]<I+\-_"D
MFXQ:7]F<]'MIGB(/J-IQFM#0O#4>@33?9M3U*>WD4!;:[N/-6,YZJ6&X?G0!
'MT444 ?_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>gbzq35mlzuyy000004.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 gbzq35mlzuyy000004.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  M ($# 2(  A$! Q$!_\0
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'MT444 ?_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>gbzq35mlzuyy000001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 gbzq35mlzuyy000001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  T C(# 2(  A$! Q$!_\0
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M;P:?8WFI*O!G7$2-_NYYQ^ J+]HO6+FR\):=IL+E([^X)GQQN5 "%/MD@_\
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M+^M 'C_P+TO3M7\?RVVJ6=M=VXL9&$=Q&'7<&3!P>_)KZ._X0?P;W\-Z./\
MMUC_ ,*^0_"/A;5_%VL/INB^7]J6%I3OEV#:" >?J17;GX$>/^3_ *&<]?\
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M:NUW<"UOI6AB(MVW!TQE6';&X>QJIKGQL\%Z%J+V3W<]Y-&V)#9Q[T0^FXD
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M5TH>'[/[$LOG>5@Y+@8W$YR3@D<FI++P'X5TZPOK&ST6VBM;]%2YC4G$J@G
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M1'8<_P Z0\%1ZG'Z444 +SO(SV!_G2,=N2/[I-%% "G@J.>3CK[4N.<Y-%%
M"=&"]1C/-,#'83Z(#UHHH >>&7W./TH( *\9R<<_G110 '@J.N3CGZ?_ %J0
BG80!WZ_F/\:** %;@9Z\CK30Q*KP.BG\Z** )**** /_V0$!

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